OneCard review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
OneCard pays 5X points on top 2 spend categories each month and suits people who want points on the categories they use most, with card controls and bill payments in the app. It asks for a good credit record and appears in the Visa listing for India.
Key facts
- Best for
- Points on the categories you spend in most, with a metal card and in-app controls.
- Annual fee
- ₹0 (Source, checked September 26, 2026)
- Currency conversion fee
- 1% (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Rewards rate
- 5X points on top 2 spend categories each month (Source, checked September 26, 2026)
- Credit needed
- Good (Source, checked September 26, 2026)
- 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 (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- FPL Technologies Private Limited (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- getonecard.app
Pros and cons
Pros
- 5X points on top 2 spend categories each month, with no redemption fee, no minimum threshold and never-expiring points.
- In-app controls lock or unlock the card, set limits and toggle domestic or international use.
- A virtual card appears instantly in the app, with the metal card following in a few business days.
- MyFamily supplementary cards share one limit, alongside UPI and BBPS bill payments in the app.
Cons
- Support runs on email and help centre, with an in-app contact centre rather than a phone line.
- The credit needed is good, so a thin credit file may hold applicants back.
- Points pay on the top categories only, and the reward type is points rather than cash.
Who it suits
- People who want a metal card earning points on the categories they use most.
- Spenders who keep card use in a couple of categories, where the boosted rate applies.
- Households wanting supplementary cards on one shared limit, plus in-app controls over spending.
Who should look elsewhere
- Chime Card, for anyone who prefers a secured balance to meeting the good credit asked for.
- Varo Believe Secured Credit Card, a secured option with an annual fee of $0.
- Wise, if a spend account with an annual fee of £0 appeals more than points.
How OneCard compares
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 9.2
9.3 vs 8.8
9.3 vs 9.4
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.0
9.3 vs 8.0
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?+
OneCard carries an annual fee of INR 0 and ranks 1 of 301 brands on that measure, with no monthly charge listed. Rewards add 5X points on top 2 spend categories each month, and there is no redemption fee or minimum redemption threshold. Card spend abroad is charged a currency conversion fee of 1%.
What rewards does OneCard pay?+
Rewards are points, and the rate is 5X points on top 2 spend categories each month. Points do not expire, fractional points are allowed, and there is no redemption fee or minimum redemption threshold, so small amounts still count. The reward type on offer is points rather than cash, so the value depends on how the points are used.
Who can get a OneCard?+
You need a good credit record: the credit asked for is good. The card is issued in India, with FPL Technologies Private Limited named in the terms, and it appears in the Visa listing for India. Offers are curated from bank partners, and the metal card arrives once the virtual card is live in the app.
What can I do in the OneCard app?+
The app does most of the work: you can lock and unlock the card, set transaction limits, and toggle domestic or international and online or offline payments. A virtual card appears instantly, the metal card follows a few business days later, and the annual fee on the card is INR 0.
Can I add family members to the card?+
Yes, through MyFamily. Supplementary cards for family members draw on the main card limit rather than getting one of their own, which suits a household that would rather manage a single limit. The main card keeps earning 5X points on top 2 spend categories each month while the extra cards are in use.
How do I contact OneCard support?+
Support runs on email and help centre, so email and the help centre are the listed routes. There is also a contact centre inside the app, which handles questions without leaving the account. Anyone who needs to talk to someone by phone is not covered by the listed channels.
Is OneCard only for India?+
The published details are for India. The Visa listing is Indian, contactless payments without a PIN apply in India, and UPI payments and BBPS bill payments run in the app, with offers curated from bank partners. The metal card is described as a lifetime free card, and the terms name FPL Technologies Private Limited.
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.
OneCard
Points on the categories you spend in most, with a metal card and in-app controls.