What is OneCard?

OneCard is a distinguished metal credit card launched in collaboration with well-known banks like SBM, South Indian Bank, Federal Bank, BOB Financial, and CSB Bank. As a lifetime-free card, it's an excellent choice for those new to credit, aiming to earn rewards on purchases. The distinctive rewards system of OneCard allows users to gain 5X points on their top two spending categories, promoting better spending habits and smart financial management. More than just a payment tool, OneCard revolutionizes your financial journey with its unique offerings, blending convenience with rewarding benefits.      
Types of OneCard     
OneCard is a co-branded credit card issued by RBI approved Banks and Financial Institutions like SBM, South Indian Bank, Federal Bank, BOB Financial, and CSB Bank in partnership with OneCard.  
Although the card issuers might be different, overall rewards and benefits remain primarily the same. These cards are named in accordance with the respective banks with which OneCard has partnered with.

  • BoB Financial OneCard Credit Card
  • Federal bank OneCard Credit Card
  • South Indian Bank OneCard Credit Card
  • SBM Bank OneCard Credit Card
  • CSB Bank OneCard Credit Card

Note: This page is just for information, We are not partnered with this and doesn't offer it's service.   

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OneCard FD Credit Card

If you have a low credit score either because you are new to credit or you have had some financial problems in the past, getting an unsecured credit card can be tough for you. s. For those who don't meet the eligibility criteria, an alternative option is available: starting a Fixed Deposit with one of the partner banks and obtaining a OneCard issued against that deposit. 

OneCard Credit Card Eligibility

OneCard credit cards boast accessible eligibility criteria, making them a suitable option even for individuals who are stepping into the world of credit for the first time. It's important to note, however, that specific eligibility requirements might vary according to the issuing bank. The following outlines the standard eligibility criteria applicable to all OneCard credit cards:

  • The applicant should be at least 18 yr old and a resident of India.
  • He/She can be Salaried or Self-employed for OneCard online apply

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Features & Benefits of OneCard Credit Card

The features and benefits of OneCard Credit Card are:

  • No joining fee and annual fee.
  • Reward points on every purchase: Get one reward point for every Rs. 50/- spent on the Card, even in fractions like 0.50 points for spending Rs. 25/-.
  • Instant crediting of reward points.
  • No expiry date for the reward points.
  • Free redemption of reward points, including in fractions.
  • Supported by both Android and iPhone devices now.
  • Convenient Easy EMI options for purchases.
  • Cash withdrawal at ATMs.
  • Interest-free period of up to 48 days.
  • Powerful Mobile App for managing all Card aspects, including App PIN, activation, transaction settings, and OneCard PIN.
  • Various offers available under diverse categories.

Fees & Charges of OneCard Credit Card

OneCard credit cards are unique for their no-cost joining and annual fees. This applies to all card offerings under the OneCard umbrella, further enhancing its appeal to users. However, users need to be aware of other fees that might be levied under certain circumstances.
In the event of a disruption or late payment, finance charges and late payment fees will be incurred. The rates for these charges are as follows:

  • OneCard Finance Charges: These vary from 2.5% to 3.5% per month, which equates to 30% to 42% per annum. This fee comes into effect when the cardholder does not pay the amount due within the stipulated time frame.
  • OneCard Late Payment Fee: If the total amount due is not paid by the due date, a late payment fee of 2.5% of the total amount due is charged. This fee is capped at a maximum of Rs. 1,000.

Please review the table below for a comprehensive understanding of the OneCard fees:

One Card Joining FeeNil
One Card Annual Fee



Finance Charges2.5% to 3.5% p.m. (30% to 42% p.a.)
Late Payment Fee2.5% of total amount due (Max. Rs. 1,000)

Although OneCard offers lifetime free service, it's important to manage your payments efficiently to avoid extra charges.

OneCard Credit Card Documents Required

The basic documents required to avail of OneCard Credit Card are

Address Proof:

  • Aadhar Card
  • Voter’s ID Card
  • Passport
  • Driving Licence

Photo ID Proof

  • PAN
  • Address Proof
  • Voter’s ID Proof
  • Passport
  • Driving Licence

Income Proof for Salaried Individuals

  • Salary slips for the last three months
  • Latest ITR
  • Latest Form 16
  • Bank account statement for the last three months

Income Proof for the Self-Employed

  • Audited Financials like Balance Sheet and Profit and Loss Account for the last two years
  • ITR for the last two years
  • Bank Account statement for the last 12 months.

Any other documents as required by the collaborating bank

How to Apply for a OneCard Credit Card?

You can apply for a OneCard Credit Card by accessing the OneCard official website and providing the basic details. You can also apply for a credit card by downloading the OneCard mobile app from PlayStore or AppStore. The whole application process will take about 5 minutes. If you request the credit application status update via Whatsapp, you will get the updates on Whatsapp. You need not take the trouble of tracking the status of your credit card application.

You can also apply for the OneCard Credit Card offline by applying at the nearest branch of any of the collaborating banks.

OneCard Credit Card Brand Offers

Food and Dining
  • Get 10% Instant Discount on Groceries at BigBasket valid till July 25
  • 25% discount on Zomato food orders.
  • Zero delivery fees on Blinkit.
  • 20% Instant Discount on minimum order of 500 on BB Now till July 25.
  • 15% Off at Restaurants, Pubs & Cafes on Zomato Dining till July 31.
  • Same Price EMI with up to 20% Off on Yatra till July 31.
  • Flat 8% off on International flights and 10% off on road & rail travels on MakeMyTrip till July 31.
  • Upto 10% off on Travel bookings at Booking.com till September 15.
  • 10% off upto Rs 500 on ParkPlus till July 31.
  • Get additional 5% off on Hype till September 15.
  • Get 30% off upto Rs 200 on Zingbus till September 15.
  • Save upto Rs 500 on Bus Bookings at AbhiBus till September 30.
  • Flat 30% Off on all SonyLIV subscriptions till November 25
  • Get Rs.250 cashback on Education payments through PhonePe till July 31.
  • Avail discounted price on international tuition fee on Flywire till July 31.
  • 25% site wide discount on Whizlabs till September 15.
Health & Wellness
  • 10% instant sitewide discount on Healthify till Jully 31.
  • Additional 20% off sitewide on mCaffeine till September 15.
  • Flat 21% off sitewide on PeeSafe till September 15.
  • Flat 35% off on Khadi Naturals till September 15.
  • Flat 10% off on Nutrabay till September 30.
  • Flat 20% off on Kapiva till July 31.
  • Get upto 25% off on Tata 1mg till August 31.
  • Get 100% fuel surcharge waiver till December 31.

OneCard Reward Points Redemption

Redeeming reward points which are accumulated over time with your One Card Metal Credit card is the best part of your association with the One Card company. You can actually payback using the reward points.   
For example, if you ordered food on Zomato worth Rs 550 then you can easily use your OneCard reward points to settle that amount. 

Using The One Card App

One Card company provides the users with a free android and ios OneCard app. The overall offerings that this OneCard Metal Card gives you can all be monitored using this app in a seamless manner.

onecard example

Once you log into your OneCard app, you will see home page like above where a cumulative balance is clearly mentioned along with other details of your card. Now you might think, this is something which is prevalent in the industry so, what’s special about it?

Well, when you delve a little deeper into sections like spends, which is the 2 nd option from the right at your OneCard mobile app; you will see the rewards you have earned against the various transactions that you have made. You will instantly be able to understand what are your top 3 spends and where have you earned 5X reward points. 


Onecard example 2

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Onecard Credit Card FAQs

What is a OneCard Credit Card?


OneCard Credit Card is an innovation by FPL Technologies Ltd. It is a metal card with a lot of attractive features. 
Lifetime free card

  • A powerful OneCard App for the cardholder to manage various aspects of the credit card,
  • Payments for purchases can be made by virtual Card.
  • 5x reward points on the top 2 spend categories in a month.
  • One reward point for every Rs. 50/- spent on the Card
  • Lowest Foreign Currency Markup Fee at 1%
  • Instant Credit of Reward Points, Fraction reward points credit is allowed without any rounding off.
  • Redemption of reward points without any charges.

I want to apply for a OneCard Credit Card. How to do it?


You can apply for a OneCard Credit Card online either by accessing the official OneCard Website or through the OneCard app. You can also apply for the credit card offline by applying at the nearest branch of the collaborating bank.

Is OneCard Credit Card a Virtual Card?


OneCard Credit Card is a metal card, and there is also a virtual version of the Card as well on the OneCard app. You can use the Virtual Card for any online or app-based purchases or transactions.

What to do if I have misplaced my Onecard Credit Card?


If you have misplaced your OneCard Credit Card, you can get it blocked temporarily. If you find the Card, you can request a reactivation of the Card. If you are convinced that the Card is lost, you can apply for a replacement card.

How is the credit limit set on OneCard Credit Card? Is there a maximum limit stipulation?


The limit on OneCard Credit Card varies from applicant to applicant. The credit limit is based on the income, eligibility and credit score of the applicant. The limit is decided during the processing of the credit card application, and the applicant will get to know the credit limit only on approval of the credit card application.

Is cash withdrawal permitted on OneCard Credit Card?


Yes. Cash withdrawal at ATMs within the country and abroad is permitted. A cash advance will be charged at 2.5% of the transaction with a minimum of Rs. 300/-

Does OneCard Credit Card help in building the credit score?


Yes. OneCard Credit Card is an ideal credit card for beginners. If you are applying for a credit card for the first time, you should go for OneCard Credit Card. Besides being a lifetime free card, there are a host of rewards and discounts on the Card which motivate you to use the credit card. 

If you are looking to build a CIBIL score with the Card, you will have to spend wisely and maintain the credit utilisation ratio at less than 50% o
if the credit limit. Also, you should pay the credit card dues within the due date. 

What is the OneCard app?


OneCard app is a powerful app that helps the cardholder manage various aspects of the credit card. It helps to
Manage your credit limit

  • Track your available balance
  • Analyse the transactions and spends
  • Keep track of supplementary credit card transactions
  • Redeem reward points instantly
  • Download and view statements
  • Pay utility bills
  • Use Virtual OneCard for online transactions

Can I apply for a OneCard Credit Card even if I have no income?


You can apply for a OneCard Credit Card even if you have no income. You can opt for a secured credit card. You can avail of the credit card against a fixed deposit.

Who can apply for a OneCard Credit Card?


Anyone who is 

  • 18 years and above
  • Indian National
  • Having a job or running a business 

Can apply for a OneCard Credit Card. At present, the Card is issued invite-only, and so the income criterion is not specified.

What are the documents required for a OneCard Credit Card?


The documents required for a OneCard Credit Card are any one of the accepted address proof and photo ID documents, and income proof.  
For address and photo ID proof, you can submit an Aadhar Card, Voter‘s ID Card, PAN, Passport or Driving Licence.
Salaried individuals can submit the latest salary slips, ITR, Form 16 and Bank Statement as Income Proof.
Self-employed individuals can submit the latest Audited Balance Sheet and Profit and Loss Account, ITR and Bank Statement as income proof.

Do I get airport lounge access with One Card Credit Card?


One Card doesn’t offer any complimentary lounge access for domestic or international airports as it remains an entry-level credit card that offers a bundle of benefits and rewards on daily-use categories including dine-in, shopping, utility bills, groceries, food ordering, gadgets, etc. 
As far as travel benefits are concerned, One Card credit card offers forex transactions at a competitive fee of 1%, lucrative discounts on booking flights and hotels through online booking platforms including Yatra and MakeMyTrip