Article Contents Table
IDFC First Bank, Federal Bank, South Indian bank, BOB financial, SBM bank
OneCard credit card
Welcome Offer:
2500 reward points as a joining bonus.
| Annual Fee | Joining Fee | Interest Rate(APR) | Credit Score |
|---|---|---|---|
| Nil | Nil | 1.33% p.m and 16% annum | Good |
In this article we gonna discuss about OneCard, it’s genuine reviews and all details that you should know before applying. Their company profile and contact details, how to apply for OneCard? How to use? Eligibility criteria, hidden charges and fees, repayment terms and conditions, features, benefits, offers, rewards and cashback details etc…
Now a day you are seeing an advertisement about OneCard on internet and social media. After seen this ad a one question comes in your mind that should I apply for onecard or not? So before applying for it, read this all details about onecard.
So, let’s have a look on all details and reviews of OneCard. You must need to know this all details before applying and sing up for it on app.
What is OneCard app?
OneCard is an India’s first and best metal credit card. Which is made from metal material and very light in weight. You can use it anywhere like other bank credit card for all your online and offline transitions. You can easily apply for it and get instant approval in just a day. You can completely control your credit card usages and transitions by there simply designed app. Also get exciting offers and reward benefits with this card.
Most importantly all these things you are getting is completely free without paying any joining fees, annual fees, and rewards redemption fees.
OneCard Company profile and contact details.
| Founder and CEO | Anurag Sinha |
| Company | FPL Technologies Pvt. Ltd. |
| Origin | India |
| Banking Partner | IDFC First Bank, Federal Bank, South Indian bank, BOB financial and SBM bank. |
| Official website | https://www.getonecard.app/ |
| Email ID | help@getonecard.app |
| Address | FPL Technologies Pvt. Ltd. Disha Bldg, S. No. 127, Mahavir Park, Opp. Sarjaa, Aundh, Pune 411007 |
| Customer care number | 1860-266-1111 |
| Social media | Facebook Instagram Twitter YouTube |
How you can use OneCard credit card?
You can use OneCard credit card for both online and offline transactions to spend it anywhere anytime. Like,
- Paying at online shopping websites, ticket and hotel booking…etc by virtual credit card.
- You can also do offline transactions by swiping your physical credit card at shopping malls, grocery stores, liquors shop, petrol pump etc.
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Features and Benefits of OneCard Credit card.
OneCard is very different than other bank credit card because we all are using credit cards which is made from plastics, but this card is made from metal and you can easily use for all your transitions and spends. So, let’s see some features and benefits of OneCard.
- It’s made from metal.
- There was a no joining, annual and reward redemption fees on this card.
- You will get Visa Signature category credit card.
- Simple and organised app to control your credit card.
- Use it at anywhere and anytime for online and offline transactions.
- Use your credit limit upto 48 days.
- Auto pay your credit card bill from any banks.
- Easily divide your bill into EMIs.
- 5x rewards on top spends and exciting discount offers.
- Rewards points comes with lifetime validity and you can easily convert it into cash or use it for purchases.
- Lowest 1% forex fees.
- Fuel surcharges waived of as a refund.
- Free Fraud protection cover upto 1Lakh.
This are the benefits and features of this card.
Hidden charges and fees of OneCard.
this company has a tie up and partnership with other RBI registered bank to issue their OneCard. So, the fees and charges are applying your card is according to your issuer banks. Here are a list of common charges and fees.
| Fees Type | Description | Charges |
| Joining fee | Primary/ Add-on Cardholder | Nil |
| Annual membership fee | Primary/ Add-on Cardholder | Nil |
| Card Re-issuance fee | Plastic Card 2nd replacement onwards Metal Card | Nil ₹145 ₹3,000 |
| Card cancellation fee | Card cancelled within 6 months of virtual card being activated. | ₹3,000 |
| Cash Advance Fee | ATM Withdrawal Fee | 2.5% of amount withdrawn (Min ₹.300) |
| Service charges for transactions | Rewards Redemption fee. Forex Markup Fee. Over Limit Fee. | Nil 1% 2.5% of the over limit amount |
| Interest Rate | Interest free period** | 48 Days |
| Interest Rate (monthly and annualised basis) ** | 2.5% to 3.5% per month and 30% to 42% on an annualised basis. | |
| Minimum Amount Due | 5% of total amount Due (Min. ₹100) | |
| EMI Charges | Rate of Interest Foreclosure Fee Processing Fee | 1.33% p.m and 16% annum 2.50% (on remaining amount) 1.00%(of transaction amount) |
| Default charges | Late payment fee** | 2.5% of total amount Due (Max. ₹1000) |
How to apply and sign up for OneCard credit card app?
Applying for OneCard is very easy and simple process which takes only few minutes to complete your application and provides you an instant virtual credit card when all the KYC process is completed. After that you will get your physical card in few days. So, let’s see how to apply for it.
- Click here to Download and install OneCard app from Play store (or Download OneCard APK) or apple Appstore.
- Enter your mobile number.
- Enter all require details name, pancard, email, address etc.
- Wait for till they get your credit limit from your credit score.
- Once it done you can reserve your OneCard with provided limit.
- Wait for 1-2 days.
- Open your app and enter your mobile number.
- Now Complete your e-KYC using your PAN card and Aadhaar Number.
- Wait for few minutes instant approval.
- Done you will have your virtual credit card in your app.
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Rewards and Cashback of OneCard card.
OneCard offers you an unlimited reward points plus amazing instant discount offers, and cashback offers on every transaction. Let’s see reward program of OneCard and some currently running offers.
- Get 1 point for every ₹50 spent (10 Point = ₹1).
- Spend on any 3 categories and get 5x Point on 2 top categories.
- Fuel charged waived as a refund.
- Buy 1 Get 1 free movie ticket at Bookmyshow.
- 15% instant Discount at Tata Cliq.
- 30% instant discount at swiggy.
- 10% instant discount at Central mall outlets.
- No cost EMI and Cashback on purchase of Smartphone like Oppo, vivo and realme.
So, this are some exclusive offers and discount you can get using OneCard. To know the currently active and more offers kindly visit to offer section of OneCard app.
Genuine review of OneCard credit card app.
Well as per our experience and research we suggest you can apply for OneCard if you are able to pay dues before the interest free credit period over. You will get the premium class visa signature metal credit card without paying any charges. Currently their reward point program is very good, and we hope they will continue their program in future.
You are getting free movie ticket and upto 50% discounts at online websites, shopping malls and stores without paying annual fees. So only apply for OneCard if you are able to repay your amount time to time otherwise you have to pay their higher interest charges and fees.
How to activate OneCard physical credit card?
Once you receive your physical credit card you will get credit card activation QR code inside your cover. Scan this QR code by clicking on activate card option from your OneCard app home screen. Create 4 digit pin and you are done your card is activated.
OneCard FAQ:
Who is an CEO and owner of OneCard?
OneCard app is owned by FPL Technologies Pvt. Ltd, and its CEO is Anurag Sinha.
How can I increase my OneCard credit limits?
You can increase your OneCard credit limits by continues use of credit card for transactions and making repayment time to time without any dues and late payment.
Minimum age requirement for OneCard?
You have to at least 21years old to apply and get OneCard.
Does OneCard have hidden charges?
yes, OneCard have a hidden charge but it’s only apply if you don’t pay your bill in 3 months of repayment periods.
What if I use OneCard at petrol pump?
If you use OneCard at petrol pump, then your surcharges are wavier, and it will be credited back as a refund. Kindly note the GST you paid on Surcharges will not refund.
What is the billing cycle of OneCard?
OneCard have a 30 days of billing cycle and 16 days of grace period to clear all your dues.
Interest free credit period of OneCard?
OneCard has a 48 day interest free credit period to repay all your amount.
EMI interest rate of OneCard?
EMI interest rate of OneCard is 1.33% per month and 16% for annum.
Late payment fees and charges of OneCard?
Late payment fees of OneCard are 2.5% of total amount and it is maximum upto ₹1000.
Can I withdraw Onecard balance via ATM withdrawal?
yes, you can’t withdraw your credit limit from ATM machine by paying ATM withdrawal fees of 2.5% of the transaction amount.
OneCard is registered company?
Yes, OneCard is a registered company with the reserve bank of India and created with the partnership of IDFC First Bank, Federal Bank, South Indian bank, BOB financial and SBM bank.
Where is the OneCard office?
OneCard office is at Pune and its address is “FPL Technologies Pvt. Ltd. Disha Bldg, S. No. 127, Mahavir Park, Opp. Sarjaa, Aundh, Pune 411007”.
What are the customer care number and Email Id of OneCard?
Customer care number of OneCard credit card is “1860-266-1111” and company email id is “help@getonecard.app”.
How to pay OneCard credit card Bill payment?
You can easily pay your OneCard credit card bill from the app. Select bill pay option from the home screen and pay using it via UPI, Debit card and net banking. You can also do NEFT/RTGS into company account, but it will takes upto 2 days to reflect it in your account.
Which bank credit card will OneCard provide?
OneCard provides you a Visa signature metal credit card from IDFC First Bank, Federal Bank, South Indian bank, BOB financial and SBM bank.
Is applying for OneCard is safe?
Yes, applying for OneCard is safe because they have RBI registered partner banks like IDFC First Bank, Federal Bank, South Indian bank, BOB financial and SBM bank.
Disclaimer: we always intend to provide you all updated details. But there is a possibility changes in data, rates, charges and fees by bank and issuer company. So kindly refer all the latest data by visiting official website of issuer before applying. We are not responsible for any legal or financial implication in any case.