OneCard Credit Cards

OneCard Credit Card - 2026 Overview

OneCard is a fintech credit card platform built by FPL Technologies, issued in partnership with a partner bank (South Indian Bank, Federal Bank, or BOB Financial depending on the application). Its single flagship product, the OneCard Metal Credit Card, charges no joining or renewal fee for life and earns 5X reward points automatically on your top 2 spending categories each month - paired with the OneScore app for credit-score tracking.

OneCard Metal Snapshot

Because OneCard is a single-product fintech brand rather than a multi-tier bank, there is no comparison table here - the entire value proposition rests on the one metal card and its zero-fee, digital-first structure.

Why Choose OneCard

• Lifetime-free metal card - no joining fee, no renewal fee, ever
• Rewards auto-apply to whichever 2 categories you spend most in, no manual selection
• Points are instant and fractional rather than batched at cycle-end
• OneScore app gives free, ongoing credit score monitoring alongside the card
• Fully digital application with video KYC, no branch visit required

Explore the full card details below to see if the Metal Card fits your spending profile.