OneCard Review (2020)- The Best Free Metal Credit Card

By | July 24, 2020

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

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 and Renewal Fees

  • Joining Fees/Renewal Fees.       NIL ( Awesome)
  • Welcome Gift:                             NIL

Benefits and Features

  • Regular Rewards- 1 RP/ Rs.50
  • 5X Points on Top 2 Categories
  • Out of all spends category, you can get 5X rewards on Top 2 categories
  • ·Rewards rate is almost up to 2.5%
  • Forex Markup Fee: 1% (+GST)
  • Interest-free period – 48 days

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

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 who is already on the waitlist.

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 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 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.


This credit card is not a basic credit card as we have seen from card benefits and features. One Card comes with 5X rewards on accelerated spends and 2% rewards points on all spending. Other than rewards Its has no Joining Fees as well as Renewal Fees.

Other than those benefits, It also does gives rewards points on Insurance, Utility Bill payments, and Fuels spends.

I think this is a great credit card for the beginner as well as who have a premium 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.

OneCard Review

Dhiraj Jha

Joining and Annual Fees


It the best credit card if you want to experience metal credit cards. Apart from metal its a free card without joining and renewal fees.

Please share this post if you like
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Author: Dhiraj Jha

I love to acquire, review, and earn reward points/cashback from Credit Cards for free traveling and enjoying luxury hotels. Helping people about the benefits and optimal utilization of credit cards.

15 thoughts on “OneCard Review (2020)- The Best Free Metal Credit Card

  1. Anurag 54

    It is a nice card. You can put on the referral code as Anurag54

  2. Enthusiastic user

    This is over hyped card. Even basic cards gives 1%. to get 1% one need to spend on 5 different categories. Every month we need run behind 5 categories to get 1% . I don’t how 2.5% calculated in article. Still card in beta stage only. So no offers on any merchants.

  3. Satyam Pandey

    Use my referal code and improve your chance to get a One metal card
    Referral Code- SATYAM71

  4. Rahul

    I’m on the waitlist for OneCard – India’s Best Metal Credit Card. To join #teammetal & win, use my invite code RAHUL573

  5. Hemant Singh Shekhawat

    If you want the referal code for OneCard You can use this HEMANT306

  6. Manish Bohra

    Fabulous Card – Referral Code for quick approval of card. No waitlist MANISH676

  7. Geeta Lokhande

    I was able to hand on experience of getting One card credit card with an Rs.80,000 limit. It’s working very fast in any app transaction with fast SMS alert. They didn’t ask for any pan card, Aadhar card details., etc. I didn’t know how they approve me with this credit limit. Even after 48 days, there is no interest also.
    But anyway It’s good for me for my financial use.

    I thank the Onecard FPL technology family.

  8. Ramesh Singh

    I got a metal card delivered. KYC Doc’s were collected in March second week. One fine day got an email asking to download the app and register. Couldn’t verify PAN, sent an email and got it fixed. Selected the address for delivery and received in last week.

  9. Mehar Mishra

    Getting 2% rewards for all spending except wallet load seems to be a nice card. Got a 1.20L limit which is lower as compared to my other cards.

    Axis Flipkart card gives 1.5% & 5% on Flipkart
    Amazon Pay card gives 1% % 5% on Amazon Prime
    Paytm the First card gives 1%

    This card offers more rewards compared to other cards listed above.


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