OneCard Review

By | February 23, 2021

There are different kinds of credit cards available in the market. There are free beginner cards and paid super-premium cards provided by different banks. Here is everything you need to know about the OneCard.

But what if you got a mix of beginner and premium cards for free? That’s OneCard! OneCard provides a metal credit card that comes with a combination of these two types.

What is OneCard

This is an entry-level credit card introduced by FPL-Technologies that works on IDFC First platform in co-brand with Visa.

The services provided by the card are so essential, like every other beginner card, but the only difference it has is its design. The design provided for the card is like other premium supreme cards. They offer metal cards like big credit card providers.

It’s a kind of exciting product, but you can go for it if you want a primary credit card but with premium looking factor. Or, in other ways, you can go for this card if you are into showoff things.

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Fees & Charges

Particular Description
Joining FeeNil
Annual FeeNil
Markup Fee1%+GST
Interest Rate2.5%

As you see, it’s ideally a lifetime free credit card without any joining or renewal fee.

Onecard Reward Rate

onecard rewards
  • Regular Rewards: 1 RP/ Rs.50
  • Accelerated Rewards: 5X RP on top 2 categories
  • Point Value: 10 Ps to Rs.1
  • Regular Reward rate: 0.2% to 2%
  • Accelerated Reward rate: 1% to 10%

The reward rate varies between 0.1% to 1%. And you get 5X; then your reward rate could be anywhere between 1% to 10%.


  • Age: 18 years – 60 years
  • Occupation: Available for both self-employed as well as a salaried individual

The monetary requirement for the card has nowhere mentioned which means you have to first fill the application form for the card after which the bank will connect you for further proceedings

OneCard Benefits

  • Form Factor: Metal Card
  • Visa Signature Privileges (lounge privileges not confirmed yet)
  • Points are issued INSTANTLY
  • Points that never expire
  • Fractional reward points

OneCard is currently available in 15 cities.

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How to apply?

You can apply for the card in the following manner:

  1. You have to visit the get one card website to apply for the card.
  2. Application for this card can also be made by get one card app.
  3. Fill up all the information to apply for the card
  4. Submit all the necessary documents required for the credit card

Documents Required

  • Identity Proof: 
    • PAN Card,
    • Aadhar Card,
    • Voter’s ID Card,
    • Driving License,
    • Ration Card
  • Address Proof: 
    • Aadhar card,
    • Voter’s ID,
    • Ration Card,
    • Electricity Bill,
    • Lease/Rent Agreement,
    • Utility Bills
  • Income Proof: Salary Slip of last 3 months
    • Bank Statement of last 6 months
    • ITR of an annual year

Our Suggestion

This a beginner card which gives us a reward rate of nearly 2%. We have used this card for few years as they do not charge any joining fee and renewal fee.

‘No fee’ makes this card interesting, plus it has a unique design, but the company somehow fails to offer good rewards. We get disappointed with this card in the reward game.

But as per our experience, this card is best for those who use credit cards very occasionally. In such a case, only this credit card will suit you


Metal card Low reward rate
No joining fee

Onecard Features

  • Forex markup fee: 1%
  • Reward rate: ~2%
  • Lounge Access: Nil

Bottom Line

As we know, it is a beginner card with some fancy design. But it has a low reward rate of about 0.2% on the regular rate.

It is in its beta phase only; we assume that the services will get better day by day. It also offers 5X rewards on some of the categories, which is a plus point.


Is OneScore app and website safe?

Completely. Safeguarding your sensitive information is of the highest importance for them. They use bank-level security practices. We do not share any data with any external vendors. We are ISO2007:1 certified, ensuring that our data centers are at par with industry standards.

Is OneScore app free and will it remain so for life?

Absolutely. The usage of their app and its services is free and will continue to remain so. No trial period, no ads, no spam calls/emails.

Our Score
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