OneCard
Issuer: FPL Technologies
Network: Visa | Tier: Entry
OneCard is a new-age metal credit card that's completely free with no joining or annual fee. It automatically identifies your top 2 spending categories each month and gives 5X rewards on them. With a sleek app and transparent pricing, it's built for the modern consumer.
Fees & Charges
| Annual Fee | Nil (Lifetime Free) |
|---|---|
| Joining Fee | Nil |
| Interest Rate | 3.49% per month |
| Foreign Markup | 2% + GST |
| Fuel Surcharge Waiver | 1% waiver |
Rewards & Benefits
| Reward Rate | 5X on top spend categories |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Tech-savvy users who want a metal card |
Key Highlights
- Metal card - lifetime free
- 5X rewards on top 2 spend categories (auto-detected)
- 1% on all other spends
- Instant approval via app
- No hidden fees - transparent pricing
Eligibility Criteria
- Minimum income ₹3 lakh per annum
- CIBIL score 700+
- Age 21-60 years
- Smartphone required
Minimum Income Required: ₹3,00,000+ per annum
Pros
- Free metal card
- Auto-categorization for 5X
- Great app experience
- No hidden fees
- Low foreign markup
Cons
- No lounge access
- Limited to 2 categories for 5X
- New brand - less trust
- Customer service can be slow
Expert Rating: 4.2/5