One Credit Card (OneCard)
Best for: young earners who want a lifetime free metal card with a 1% forex markup and 5X points on their top categories.
Why it ranks
- No joining, annual or redemption fee
- Low 1% forex markup
- Detailed app controls for limits and usage
What holds it back
- Base rate of 1 point per ₹50 is about 0.2% in value
- No lounge access
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
OneCard is a lifetime free metal credit card managed through an app by FPL Technologies and issued with partner banks. It earns 5X points on your top two spend categories each month and charges a 1% forex markup.
One Credit Card (OneCard) at a glance
| Issuer | FPL Technologies, issued with partner banks (BOBCARD, CSB Bank, Federal Bank, SBM Bank, South Indian Bank, Indian Bank) |
| Card network | Visa, Mastercard or RuPay |
| Annual fee | Lifetime free |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 1 reward point per ₹50 spent; 5X on your top 2 spend categories each month (minimum ₹750 spend in three categories); 500 points = ₹50; no points on fuel or transfers |
| Intro APR | None |
| Regular APR | 3.75% a month |
| Foreign transaction fee | 1% forex markup |
| Airport lounge access | None |
| Credit needed | Age 18 to 60; a credit score of 750 or above for the metal card; the FD-backed version needs no credit score |
| Best for | Young earners who want a free metal card with app controls and low forex fees |
Key features
- Metal card with a fully digital application
- 5X rewards on your top 2 spend categories each month
- Points credited instantly, with no expiry and no redemption fee
- 1% forex markup
- FD-backed version for people with no credit history
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: getonecard.app · getonecard.app · getonecard.app
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | FTFPL Technologies, issued with partner banks (BOBCARD, CSB Bank, Federal Bank, SBM Bank, South Indian Bank, Indian Bank)One OneCardNo annual fee · IN One Credit Card (OneCard)Young earners who want a free metal card with app controls and low forex fees |
None | 1 reward point per ₹50 spent; 5X on your top 2 spend categories each month (mini… | See issuer for the current offer | 1% forex markup | Age 18 to 60; a credit score of… | |
| 2 | IFIDFC FIRST BankIDFC FIRST MillenniaNo annual fee · IN IDFC FIRST Millennia Credit CardLifetime free rewards on dining, travel and foreign spends with zero forex markup |
None | 10X Reward Points on dining, travel and international spends from the first tran… | ₹500 voucher on spending ₹5,000 within 30 days of activation… | Zero forex markup | See issuer for income and CIBIL… | |
| 3 | ASAU Small Finance BankAU LITNo annual fee · IN AU LIT Credit CardPeople who want a free card and will pay only for the benefits they use |
None | 1 Reward Point per ₹100 base (up to 10,000 points a cycle); optional paid featur… | See issuer for the current offer | See issuer | Resident Indian; salaried 21 to… | |
| 4 | KMKotak Mahindra BankKotak 811 #DreamDifferentNo annual fee · IN Kotak 811 #DreamDifferent Credit CardNew-to-credit users who can place a fixed deposit and want a free card |
None | 2 points per ₹100 online, 1 per ₹100 on other spends; none on fuel or railways | No fixed welcome bonus; lifetime free card | 4% markup on foreign curre… | Secured card: fixed deposit of a… |
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