OneCard Review 2026 — Fees, Rewards & Eligibility
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.
Why Choose the OneCard?
The OneCard is a Entry-tier Visa credit card issued by FPL Technologies, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Tech-savvy users who want a metal card. With a reward rate of 5X on top spend categories and an annual fee of Nil (Lifetime Free), it ranks among the popular Metal cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
OneCard 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 |
OneCard 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 of the OneCard
- 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
OneCard 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
Advantages of the OneCard
- Free metal card
- Auto-categorization for 5X
- Great app experience
- No hidden fees
- Low foreign markup
Drawbacks of the OneCard
- No lounge access
- Limited to 2 categories for 5X
- New brand - less trust
- Customer service can be slow
OneCard — Frequently Asked Questions
What is the annual fee of the OneCard?
The OneCard has an annual fee of Nil (Lifetime Free) and a joining fee of Nil. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the OneCard offer airport lounge access?
No, the OneCard does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the OneCard?
The minimum income requirement is ₹3,00,000+ per annum. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the OneCard?
The OneCard earns 5X on top spend categories. It is best suited for Tech-savvy users who want a metal card.
Expert Rating: 4.2/5