OneCard Credit Card

  • Joining Fee: Nil
  • Renewal Fee:
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: N/A
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One Card is an entry-level credit card issued by fintech startup FPL Technologies Pvt. Ltd. in partnership with its banking partners including IDFC FIRST Bank, Federal Bank, BOB Financial, SBM Bank and South Indian Bank. The card can be issued as both a secured credit card as well as an unsecured credit card (if you are deemed ineligible for the card based on your credit score/income, you can get the card against a fixed deposit with SBM Bank). You earn Reward Points for all purchases made with One Card- 1 Reward Point per Rs. 50 spent and 5x Reward Points on the top two spend categories of the month. One unique feature of One Card is, unlike other credit cards, you can also earn fractional Reward Points against your spends with One Card credit card (more on this later in the article). Read on to learn more about One Card Credit Card.

New Features

Spend Based Waiver


Interest Rates

2.5% to 3.5% per month (or 30% to 42% annually)

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waived off on fuel purchases

Foreign Currency Markup

1% of the transaction amount

Cash Advance Charges

2.5% of the transaction amount, subject to a minimum amount of Rs. 300

Movie & Dining




International Lounge Access


Rewards Rate

1 Reward Point per Rs. 50 spent, 5x Reward Points on top two spend categories of the month



Insurance Benefits


Reward Redemption

Reward Points redeemable for cashback, 1 RP = Rs. 0.10

Domestic Lounge Access


Zero Liability Protection

Cardholder not liable for any fraudulent transaction on the card post reporting the loss of card to the bank


No data available


No data available

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