OneCard Review (2022)- The Best Free Metal Credit Card India

OneCard is a Free Metal Credit Card in India issued by FPL Technologies.

FPL Technologies is a fast-growing fintech startup based in Pune. In June 2019, it launched One Score, an app to check and monitor credit Scores. It is the one app in India that helps consumers improve their credit score via an AI-based score planner.

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

Metal credit card is sleek, sturdy, and still relatively rare in comparison to plastic cards. Normally it’s only an invitation basis credit card, and it’s more durable. American Express Centurion Card is the longest-lived existing metal card.

Joining & Renewal Fees

Types Amount
Joining Fees/Renewal Fees Nil
Welcome Gift Nil

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

Benefits and Features

Types Rewards Rewards Rate
Regular Rewards 1 RP/ Rs.50 0.20%
Accelerated Reward 1 RP/ Rs.50 1%
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.

FPL Technologies currently not issuing Metal credit, but in futures, it will issue a Metal credit card. Currently, you have received a plastic card only.


FPL Technologies has issued to date 5,000 Onecard, Now it’s seeking more customers. Below is the update in detail.

  • Now Top 10,000 users will be eligible for Metal OneCard
  • Existing users from Waitlist 1.0 will be auto-enrolled into Waitlist 2.0 at the beginning.
  • New users will join Waitlist 2.0 in sequential order.
  • Currently, the waitlist is the only way to apply for OneCard.
  • You also need to submit a copy of the PAN Card, Aadhar Card, Income Proof-like ITR, Salary Slip, etc… earlier, Income Income proof was not required.
  • Other T & C
  • You can join the list from the One card credit card referral code below.

FPL Technologies on has raised USD 10 million (about Rs 74.6 crore) in funding from Sequoia India, Matrix Partners India, and Hummingbird Ventures and also in process with HDFC and ICICI bank to issued credit. Currently, OneCard is issued in association with IDFC bank.

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 Rs.3000
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 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 (2022)- The Best Free Metal Credit Card India

OneCard is a Free Metal Credit Card in India issued by FPL Technologies. FPL Technologies is a fast-growing fintech startup based in Pune. In June 2019, it launched One Score, an app to check and monitor credit Scores. It is the one app in India that helps consumers improve their credit score via an AI-based score planner.

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.

31 thoughts on “OneCard Review (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.


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