OneCard Metal Credit Card
- Joining fee
Lifetime Free
- Annual fee
Lifetime Free
- Best suited for
Shopping, Food
- Reward type
Reward Points
Rewards
- Rewards rate
1 Reward Point per Rs. 50 spent, 5x Reward Points on top two spend categories of the month
- Reward redemption
Redeem RPs for Cashback. 1 Reward Point = ₹0.10
Fees & charges
- Rewards redemption fee
Nil
- Foreign currency markup
1%
- Interest rates
3.75% Per Month or 45% Per Annum
- Fuel surcharge waiver
1% Waiver on Fuel Transactions Up to ₹400 Each Month
- Cash advance charges
2.5% of the transaction amount, subject to a minimum amount of Rs. 300
Product highlights
- Metal credit card issued on the Visa Signature payment network.
- Lifetime free credit card- no joining/annual fee applicable.
- 1 Reward Point per ₹50 spent and 5x Reward Points on the top two spend categories.
- Reward Points are redeemable for cashback, 1 Reward Point = ₹0.10.
- Lower forex mark-up fee of just 1% of the transaction amount and a lower interest rate of 3.75% per month.
FAQs
Is OneCard a credit card?
Yes, One Card is a credit card issued by FPL Technologies Pvt. Ltd. in collaboration with its banking partners – Federal Bank, BOBCARD, SBM Bank, Indian Bank, CSB Bank, and South Indian Bank.
What are fractional Reward Points?
One unique feature of One Card is it allows you to earn fractional Reward Points- for example, if you spend Rs. 175 with your One Card, you will earn Reward Points not only against the Rs. 150 spent but also for the remaining Rs. 25- 3 Reward Points against Rs. 150 and 0.5 Reward Point against the remaining Rs. 25 (3.5 Reward Points in total).
Do I get airport lounge access with a One Card Credit Card?
No, as it is an entry-level credit card, you do not get any domestic/international airport lounge access with a One Card credit card.
Can I get the OneCard physical card for free?
Yes, the OneCard Metal Credit Card can be availed for a lifetime free without paying any charges or fees.
What is the reward rate of One Card?
You earn 1 Reward Point per Rs. 50 spent with One Card and 5x Reward Points on the top two spend categories of the month. 1 Reward Point is equivalent to Rs. 0.10
Can One Card be used for making international transactions?
Yes, One Card can be used for making international transactions at all merchants that accept Visa credit cards. A forex mark-up fee of 1% of the transaction amount is applicable on transactions made in foreign currencies.