OneCard Review Sep 2022- The Best Free Metal Credit Card India?

How would you like a free metal credit card that gives you 1% cashback on all purchases? And how would you feel if I told you that this OneCard has no annual fees and is issued by FPL Technologies – a new generation of credit built with full-stack tech and backed by the principles of simplicity, transparency, and giving back control to the user?

If this sounds good to you, then read on to learn more about OneCard – the credit card that is shaking up the industry and making waves among savvy consumers.


OneCard is a new type of credit card that is quickly gaining popularity due to its many benefits. For starters, OneCard offers 1% cashback on all purchases made with the card. That means that every time you use your OneCard, you’ll earn a little bit of money back – which can add up over time!

In addition, OneCard has no annual fees, so you can use it as often as you like without having to worry about any hidden costs. Furthermore, OneCard charges only 1% foreign markup on transactions made abroad. This is an incredible benefit for frequent travelers, as it can save you a lot of money on international transactions.

OneCard is issued by FPL Technologies, a company that is dedicated to providing simple and transparent credit products. FPL Technologies is committed to giving users back control of their finances, and OneCard is a great example of this commitment.

If you’re looking for a credit card that offers great benefits and is issued by a company that you can trust, then look no further than OneCard!

OneCard – a new generation of credit built with full-stack tech & backed by the principles of simplicity, transparency, and giving back control to the user.

The All-in-one Card combines all of the features that make a premium metal credit card. This is a new generation of credit conceived using full-stack technology and based on principles of simplicity, transparency, and user empowerment.

In this review , we are going to look at OneCard.


Something about Metal Credit card

OneCard is a new player in the metal credit card scene, and they’re starting off with a bang. The OneCard Metal Credit Card is sleek, sturdy, and still relatively rare in comparison to plastic cards.

Normally it’s only an invitation basis credit card, but OneCard is making it available to everyone. The OneCard Metal Credit Card is more durable than your average plastic card, so you don’t have to worry about it breaking into your wallet.

And if you do ever lose your OneCard, you can rest easy knowing that it comes with OneCard’s world-class customer service and protection.

Joining & Renewal Fees

Joining Fees/Renewal Fees
Welcome Gift

This is a lifetime free credit card, so no joining fees or annual/renewal fees.

Benefits and Features

Rewards Rate
Regular Rewards
1 RP/ Rs.50
Accelerated Reward
1 RP/ Rs.50
Rewards Points value
1 Reward point = 0.10 paisa

Note:  5X points are available on all Category whether it’s dinning, Travel, or Fuel. I think only this credit which comes with 5X rewards points on even fuel transaction.

OneCard rewards
OneCard rewards

Most Credit cards do not give rewards points on Utility Bill, Fuels, and Insurance payments, but here are exceptions. OneCard credit gives rewards points on all category expenses.

Note : Reward points will not be credited on transfers, wallet loads, and cash withdrawals

Lowest Forex Mark Fees

This credit card has the lowest forex mark fees for making any transaction. It also offers 1% fees on forex transactions abroad or Foreign expenses. I am a frequent traveler and have used several cards. Being a metal card, OneCard is definitely the best option if you are looking for a free credit card with low forex mark fees.

Other Benefits

  • Its Metal Credit card, normally Metal credit is not issued.
  • OneCard is issued with the VISA network.
  • ·Points are issued instantly
  • Fractional Points
  • Slick In-App Points Redemption
  • Zero Rewards Redemption Fee
  • Points Never Expire

When you spend on your existing credit cards, the reward points are credited after rounding off the amount as per the decided rate. If you a spend of 100 is eligible for 1 point and you spend 225, you get just 2 points, losing out on the remaining, but this credit card is an exception. It also gives fractional points.

How to apply OneCard

OneCard is an invite-only credit card. For getting this credit card, you have to download One Score App from Google Store and join the waitlist. To Joining the waitlist, you currently need an invite link or a referral code from someone already on the waitlist.

Update : No need to join waitlist , apply directly from here , get instant One Credit card.

Note: OneCard is currently available in Pune, Mumbai, and Bangalore. They have recently added Ahmedabad, Baroda, and Surat. Other cities will be added soon as the OneCard website.

OneCard is currently available in 15 cities only. Application are process simple.

  • Get an Invitation link from Friends or a Person who has got a credit card. (Now Join waitlist directly)
  • Download App From PlayStore
  • Enter basic details Like PAN No, Address Details, Email ID, Mother name, and father name.
  • An eligible person gets an instant virtual credit card.

I think association with HDFC bank with more fruitful and rewarding.

My hands-on experience

One Card Preapproved Mail
One Card Preapproved Mail

I got One Credit card by directly applying the OneCard App. I got a welcome mail from One Card Like this.

Hi, Dhiraj

We’re delighted to inform you that your application for OneCard has been approved, and we warmly welcome you to the membership of India’s best and smartest metal credit card.

Cheers to a fabulous and rewarding experience with your OneCard, because you truly deserve the best!

One Card Welcome Mail
One Card Welcome Mail

BlueDart delivered the card within 2 days from the date of the confirmation mail. I have used this card; the card payment is seamless. Just pay and confirm from the app, no need to OTP.

All the charges related from this very well explained in welcome mail, Below is the all details about the charges.

Fee Types
Fee Description
Unit Fees
Joining Fee
Joining Fees (Primary Card Holder)

Joining Fees ( Add On Cardholder)
Both NIL
Annual membership Fees
Joining Fees (Primary Card Holder)

Joining Fees ( Add On Cardholder)
Both NIL
Card Reissuance Fees
Plastic Card
Metal Card
Card cancellation Fees
Card cancelled within 6 months of being delivered
Card Advance Fees
ATM withdrawal fees
2.5% of amount withdrawn (Min Rs.300)
Service Charges for Transaction
Rewards redemption fee
Forex Mark Fee
Over limit Fees
2.5% of over limit amount
Interest Free Period

Interest Rate (Monthly and annualized Basis)

Minimum Amount Due
48 days

2.5% to 3.5% per months and 30% to 42% on an annualized basis

5% of Total Amount Due( Min. Rs.100)
Charges in case of default
Late payment fees
2.5% of Total Amount Due ( Max Rs.1000)
One Card Charges Details

How to pay One Card

You can pay the One Card outstanding dues from App itself, through the following method.

  • Debit Card
  • Net-Banking
  • UPI
  • CRED

In case of any disputes , you can reach the Onecard issuers through below method.

  • Chat with OneCard customer Care from OneCard App.
  • Email your query or concern to
  • Call on OneCard helpline number at 080-4557-5559
  • Write to FPL Technologies Private Limited D-27, Bootstart, versha park, Baner, Pune-411045.
  • One Card Grievance redressal Escalation Mail ID : or Nodal officer mail

Who Should apply One Credit card?

The rewards rate of this credit card is low. The card is an ideal fit for customers who are looking  lifetime free, metal form factor, all the benefits of an Indian credit card. If you are thinking to apply this credit card only for cashback/rewards, then you are wrong. This card has a long-term value proposition, which is different from other credit cards in the Indian market.

apply now

Apply now for the Metal card and get almost 1% cashback on all your purchases, with no 1% foreign mark up fees. Plus, it’s easy to be approved for the card.


OneCard Review Sep 2022- The Best Free Metal Credit Card India?

How would you like a free metal credit card that gives you 1% cashback on all purchases? And how would you feel if I told you that this OneCard has no annual fees and is issued by FPL Technologies – a new generation of credit built with full-stack tech and backed by the principles of simplicity, transparency, and giving back control to the user?

Editor's Rating:

Well, The OneCard app is intuitive and will be easy to use, my Onboarding experience is best if compare with other apps…. This features makes, One Credit Card one of best Credit Cad in India.

However, rewards rate is little bit lower then other Credit Card, but more benefits make OneCard a better option for its users if you want an entry level credit card.

I think this is a great credit card for the beginner as well as who want Metal feel in credit card. This is a must-have credit card for all person. Its goods to have Amazon ICICI Bank credit card but you should also apply for Onecard Credit card.

About Author

Dhiraj Jha
Dhiraj Jha
As a personal finance and credit cards expert, I provide valuable insights and advice on budgeting, saving, investing, and debt management. I am also an expert on credit card rewards programs and help readers make informed decisions about which cards are right for them. My goal is to help people improve their financial literacy and make better financial choices.

34 thoughts on “OneCard Review Sep 2022- The Best Free Metal Credit Card India?”

  1. Did you have CIBIL enquiry after you applied?

    I use OneScore to track my CIBIL and Experian scores and I started using since this month (Jan ’22). After 15 days, I get a notification on the app that I can get a free metal card with a credit limit of xx thousand.

    But I already have a CIBIL enquiry from ICICI Bank for 1Lakh since I applied for their card on Amazon Pay. So I was just curious.

      • Thank you for your response. You’re right. I assume it’s probably because they already have our scores with them. I applied on 28th and got it approved within minutes. I wanted to get one that’s issued by IDFC. However, they said no one will get a choice as to which banking partner card they’ll get. I had to settle with my card that’s issued by Federal banking. And I can confirm that there was no CIBIL enquiry in my report.

  2. I have 2 accounts from my family members, both having different issues

    1. I have deposited money to create fd

    There is no update when my money will reflect in app and m ready to use

    2. I have 25000 in other account, I can’t able to transact now, I just spend around 4000/-

    I don’t know ,what to do, customer support not working properly,no email response

    Dis app is really disgusting

    My almost 50k is stucked

    My response is bad, please go with onecard at ur risk only

  3. One card employee is very nice i was trying to call from last 2 months but i spoke to call pe customer care on 25th june that too after repeated mails they called as their number is not available , then they told me that your next bill charge will be reduced, this month my bill came but the charge which was taken is not reduced now i am calling them so they say we didn’t call did. very rude people , is a card member and asks what was the name of the speaker , you had to save the number in his name , man who will remember the customer care name and number , he asks even after a month , These people have very bad service

  4. Don’t get into their referal marketing trap, they will refuse to give you rewards for reference later on.

    Here’s what they told me on my referal:

    Hi Aditya,

    Greetings from OneCard!

    In response to the preceding email under ticket id 1254577, we tried contacting you on your registered no. however we missed the opportunity to talk to you as there was no response from your end.

    We want to let you know that your referral has entered an invalid referral code—not your genuine referral code.

    Actual Referral Code – ADITYA1295
    Referral Code Punched by Harsha – Aditya1295

    As a result, the application for your friend was not processed with your recommendation.

    We regret having to let you know that we are unable to apply the referral bonuses to this reference.

    We appreciate your patience and understanding in this matter.

    Thanks & Regards
    Customer Experience Team
    Team OneCard.


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