OneCard (FPL Technologies)
OneCard Metal Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
1% – 5%
Forex Markup
1%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1% – 5%
Earn rate
5
Points / ₹100
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- No domestic/international airport lounge access
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Invite only — You typically need an existing relationship with OneCard (FPL Technologies) to get this card.
Pros & Cons
- Lifetime free — zero joining fee and zero annual fee
- 5X OneCard Reward Points on top 2 spending categories (auto-detected monthly)
- 1X OneCard Reward Points on all other eligible spends
- 1% forex markup — use internationally with zero surcharge
- Metal card — premium feel at zero cost
- Full app-first management — OneCard app for everything
- No lounge access
- App-only — no branch support from OneCard directly
- Issued through partner banks — not a direct bank card
Who is this card for?
App-savvy urban professionals who want a premium metal card experience with zero fees and 0% forex. The auto-5X on top spending categories means maximum rewards without choosing — it adapts to your actual spend pattern each month.
Quick Links
Data last updated 24 Mar 2026