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OneCard review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

OneCard suits Indian spenders who want a rewards credit card. Rewards run at 5X points on top 2 spend categories each month with no redemption fees, and it ranks 1 of 312 brands on annual fee. Support runs on email and help centre only.

Key facts

Best for
Free-to-hold rewards card users in India who would rather pay, cap limits and settle bills inside the app themselves.
Annual fee
₹0↗
Currency conversion fee
1%↗
Rewards type
Points↗
Rewards rate
5X points on top 2 spend categories each month↗
Credit needed
Good↗
Perks
Metal card, 16gm, lifetime free, 5X reward points on top 2 spend categories, never expire, fractional points, No rewards redemption fees or minimum redemption threshold, In-app card controls: lock/unlock, transaction limits, domestic/international and online/offline toggles, Virtual card instantly in app, metal card in 5-7 business days, Contactless payments up to Rs. 5,000 without PIN in India, MyFamily supplementary cards with shared limit, One Credit Card EMI via in-app EMI dashboard, Curated personalised offers from bank partners, UPI payments and BBPS bill payments in app, ISO/IEC 27001:2022 and PCI-DSS v4.0.1 certified, contact centre in app↗
Card kind
Credit↗
Legal entity
FPL Technologies Private Limited↗
Support channels
Email, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
getonecard.app

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • Rewards of 5X points on top 2 spend categories each month, credited as points that never expire, with no redemption fees or minimum threshold
  • Card controls in the app cover locking, transaction limits and domestic, international, online and offline toggles.
  • A virtual card usable straight away in the app, with the metal card following and MyFamily supplementary cards on a shared limit.

Cons

  • Support runs on email and help centre only, so there is no phone line or live chat
  • Rewards arrive as points rather than cash back, so the value depends on what you redeem them for
  • Eligibility asks for good credit, which shuts out applicants still building a record
OneCard

Ready to try OneCard?

Scored 9.3 / 10 by SumCue.

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Who it suits

  • Card shoppers in India who want points on their top spend categories each month and no redemption charge
  • Households that want supplementary cards sharing a single limit rather than a separate card for every family member

Who should look elsewhere

  • People who want a bank account around the card, since bunq pairs account features with a card rather than app-based card controls alone
  • Applicants with no credit record, because good credit is required, so the Varo Believe Secured Credit Card is the alternative to weigh

Where it sits among rivals

On annual fee, OneCard ranks 1 out of 312 brands rated, so the INR 0 charge puts it at the cheapest end of the table. On currency conversion the picture is different: 1% ranks it 84 out of 186 brands. A rewards card is therefore OneCard's strong suit, while a foreign spending holiday is where rivals with a lower conversion fee win.

Who runs it

OneCard is run by FPL Technologies Private Limited, the company named in its terms, and it appears on the Visa programme listing in India under the listing identifier spId=896. Support runs on email and help centre, so most questions are handled by email or through the help centre rather than a phone line.

How OneCard compares

Where OneCard is available

Available
India
Licence in India
Visa (spId=896), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does OneCard cost to hold?+

The annual fee is INR 0, and the card is sold on a no annual fee basis with the metal card described as lifetime free, so no separate charge appears for the physical card.

What rewards does OneCard pay?+

Rewards are paid as points earning 5X points on top 2 spend categories each month. Points never expire, fractional points are credited, and there are no redemption fees or minimum redemption threshold for cashing them in.

Is there a fee for spending abroad?+

A currency conversion fee of 1% applies on foreign spend, which places the card at 84 out of 186 brands rated. Heavy overseas spenders will find cheaper conversion elsewhere.

Which regulatory licence does OneCard hold in India?+

OneCard appears on the Visa programme listing in India under the listing identifier spId=896, and Visa is the regulator named for India. The card is a credit product on that network.

How do I reach OneCard support?+

Support runs on email and help centre, so email and a help centre are the listed routes, along with a contact centre inside the app. Phone and live chat are not among them.

What can I do in the OneCard app?+

The app issues a virtual card straight away and carries controls to lock or unlock the card, set transaction limits and toggle domestic, international, online and offline use, plus UPI payments and bill payments.

What credit do I need for a OneCard?+

Eligibility asks for good credit, so applicants with a thin file are unlikely to be approved. Building a record first, or a secured card, is the practical route.

Sources

  • getonecard.app checked September 26, 2026

    Backs: Features, Perks

    “5X rewards on Top 2 spend categories. Points are credited instantly and never expire.”

  • getonecard.app/faq checked September 26, 2026

    Backs: Card kind, Currency conversion fee, Rewards rate, Rewards type, Support channels

    “One Credit Card is a co-branded credit card issued by Scheduled commercial Banks/Financial Institutions in partnership with M/s OneConsumer Services Private Limited.”

  • getonecard.app/legal/terms checked September 26, 2026

    Backs: Legal entity

    “website at https://www.getonecard.app/ ... and its mobile application 'OneCard' operated and managed by FPL Technologies Private Limited”

  • getonecard.app/metal-credit-card checked September 26, 2026

    Backs: Annual fee, Pricing model

    “Lifetime free card - No joining fee. No annual fee. No hidden charges. Not now, not ever.”

  • getonecard.app/metal-credit-card/credit-card-eligibility checked September 26, 2026

    Backs: Credit needed

    “A credit score of 750 or above improves your chances of getting the metal One Credit Card.”

  • visa.com/splisting/viewSPDetail.do checked September 26, 2026

    Backs: Licences

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

Related by the facts

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