OneCard: Credit Card & UPI

FPL Technologies

About this app

With the updated OneCard app, you can now make payments via UPI. The all-new OneCard UPI is here to simplify everyday payments. Here’s what’s new:

Superfast payments

Experience superfast payments with OneCard. The UPI feature on the app is designed to be snappy, letting you complete transactions effortlessly-no extra steps, no delays, just quick and seamless payments every time.

Pay on UPI with credit card

Want to use your credit card on UPI? Link your RuPay credit card to OneCard UPI and pay effortlessly by scanning any QR code. Enjoy fast, secure transactions without the hassle.

What’s more?

The OneCard app also allows you to choose and apply for select credit cards from our partner Banks and financial institutions, giving you complete control over your credit card directly through the app.

Get your hands on the metal-crafted One Credit Card, issued by our partner Banks and financial institutions. Here’s what you get:


Lifetime free

No annual fees. No joining fees. No fuss. It only gets better!

Supercharged 5X rewards

Unlock 5X rewards on your top two spending categories every month.

Anytime EMI

Convert your spends into EMI within the app and manage all your EMIs effortlessly with flexible repayment options.

Offers around you

Dining out, shopping, or fueling up? Use the ‘Around You’ feature to discover exclusive offline offers and deals across stores and categories on your One Credit Card.

Global acceptance & low forex fees

Enjoy low forex fees on international transactions with your One Credit Card. Accepted worldwide, it’s your ideal travel companion.

Mobile recharge
Recharge your mobile for all major operators, including Jio, Airtel, and VI, directly through the app without any extra fees.

Bill Payments
Pay utility bills like electricity, gas, water, DTH, and broadband using your One Credit Card and earn rewards on every spend. You can even pay school fees or tuition fees through the app.

Pay rent with your credit card
Stay on top of your rent payments. Easily manage rent payments through the app.

FD-backed credit card to build your credit score
Don’t have a high credit score? Get an FD-backed One Credit Card by creating an FD. This helps build your credit score, making it easier to access credit products in the future.

Why choose one credit card?

Metal card
16-gram pure metal card - premium feel, sleek design.

Lifetime free
No hidden fees, no joining fees, and no annual fees ever!

Instant virtual card
Activate your virtual credit card the same day and start using your One Credit Card instantly.

Complete control
Track your expenses, set limits, and manage your card effortlessly through the app.

Banking Partners & Eligibility Criteria

One Credit Card is offered by multiple Banks and financial institutions i.e South Indian Bank (SIB), Federal Bank, BOBCARD, CSB Bank, Indian Bank, and SBM (State Bank of Mauritius).

You must be 18+ years old and an Indian resident to be eligible for One Credit Card. The approval is subject to your credit score and the issuing bank partner’s eligibility criteria.


Interest & Other Charges

Interest-free period - up to 48 days
The interest rate on unpaid dues - 3.75% p.m.
Over limit charges - 2.5% (min Rs. 500)
EMI Processing fee - 1% (min 99)
EMI Foreclosure fee - 3% (min 99)

To apply, download the OneCard app now and #BeTeamMetal

For help email us at [e-mail]. Do visit our website to contact us for any queries at https://getonecard.app.
Our address: West Bay, S. No. 278 Hissa No. 4/3, Pallod Farm, Phase II, Baner, Pune, MH, IN - 411045.

Ratings and reviews

Edited on 03/08/25: Downloaded again, & yet the same problem persisting for than a month. Got to uninstall and never return back. Original: have been on my device for more than a year. Every time I check, it says "unable to fetch details. Will complete the process manually in 7-12 days." & it has never happened. Wrote them an email, & then they say I have been declined without specifying the reason. Anyways, opting out. 'v'

I have already tried clearing the cache, cookies, and reinstalling the app multiple times, but the 'auto-exit' issue persists on my Redmi . Providing the same generic troubleshooting steps is not helpful. This has been going on for over 30 days, and as a financial app, this lack of urgency is unacceptable. I need a concrete technical solution, not a scripted response. Please escalate this to your senior technical team immediately."

Beware of using the OneCard credit card app. In some transactions, money is deducted from my account but not received by the merchant, and orders get cancelled. Refunds are not always processed automatically, and follow-ups are very frustrating. If we miss tracking, money can be lost. Later they say the 120-day period is over. I faced this issue especially with FirstCry. Very bad experience.