One Card Credit Card – Eligibility, Customer Care

One Card is a metallic credit card offered by FPL Technologies Pvt. Ltd. in the collaboration with several banks like Bank of Baroda Financial, Federal Bank, IDFC First Bank, SBM Bank, and South Indian Bank.

What makes it different from other credit cards is its manufacturing material. It is made up of metal. That’s why it is called Metallic Card.

Important Points about this Credit Card

FounderVaibhav Hathi
App DownloadClick here for the app
LoginOne Card Login
Credit Limitup to Rs2. lac
Interest Rate2.5% to 3.5% p.m.
Rewardsup to 5 times reward on top 2 spends categories in a month.
One Card AddressFPL Technologies Pvt. Ltd.
Disha Bldg, Survey No 127, Mahavir Park,
Opposite Sarjaa, Aundh, Pune-411007

One Card Benefits

This Credit Card has some unique benefits which make it different from other credit cards.

  • It is a metallic credit card.
  • No joining fee.
  • No annual fee.
  • No reward redemption fee.
  • No hidden charges
  • 5 times reward on your top 2 categories spent
  • Share your credit limit with your family
  • Reward points of this credit card never expire.

One Card Eligibility

You should fulfill the below eligibility criteria to get this Credit Card.

  • Age: The applicant should be above 18 years of age.
  • Nationality: Indian
  • Occupation: Salaried/Individuals
  • Credit Score: CIBIL score should be above 750.

Documents Required

Here is the list of important documents required from all users.

Proof of Address: 
  • For Permanent Address: Aadhar card/Driving license/Voter Id.
  • For Current Address: Electricity bill/ Gas bill/ Water bill/ PG rent receipt.
Proof of Identity:
  • Aadhar card
  • PAN card/Form 60
  • Employee Id

Fee and Charges

There is a variety of charges for using this card.

Reward Redemption FeeNIL
Joining FeeNIL
Annual FeeNIL
Card Re-issuance FeeRs.145/
Card Cancellation FeePlastic card: Rs.500/

Metal Card: Rs.3000/

ATM Withdrawal Fee2.5% of the withdrawal amount
Forex Markup Fee1%
Interest-Free Period48 days
Interest Rate*2.5% to 3.5% p.m.
Late Payment Fee2.5% of the total amount due
* GST will be levied on the interest.

How to Apply For One Card

Step 1: First of all, Install the App from the Google Play Store and then open the App and click on Get Started”.

Step 2: Enter your mobile number in the given field and Verify it by entering the OTP received on your mobile.

Step 3: Now click on the “Start Application” button.

Step 4: Log in with your Gmail account.

Step 5: Now you have to enter the password of your choice and repeat it below the “Confirm Password” button.

Step 6: Enter your details like your name, date of birth, and gender.

Step 7: Enter your current address.

Step 8: Wait for 5 to 10 seconds because OneCard is fetching your Credit Report.

Step 9: Enter the OTP received on your mobile.

Step 10: You must verify your address after entering the OTP. If your address is in the serviceable area, you will be issued this credit card after verifying your income.

Thus, you can get this credit card by following the above-mentioned steps.

If Your Address isn’t in the Serviceable Area

But, if your city is not in the serviceable area OR your Credit Score doesn’t meet the eligibility criteria then you can choose the FD option.

Features of One Card FD Option:

  • The credit limit of your credit card depends upon your FD amount.
  • The credit limit of your card will be 110% of your FD amount.
  • If you choose an FD amount of Rs.50,000, you will get a metal card for a lifetime free.

Step 11: Choose an FD amount of Rs.50,000 and verify it as shown below picture and then click on the “Proceed” button.

Step 12: Now you will see “Get OneCard” on the screen of your mobile phone.

Step 13: Enter your personal details like your parents’ name, nationality, marital status, etc. We have shown the below picture for illustration purposes.

Step 14: Accept the term and conditions and click on the “Continue” button.

Step 15: Take a selfie of yourself.

Step 16: Enter your bank account number and IFSC code for verification purposes.

Step 17: Rs.1 will be credited to your account to verify your bank account information.

Step 18: Your Fixed Deposit amount will be debited directly from your bank account. Choose Netbanking for this payment.

Step 19: After entering the login id and password of your net banking, OTP will be sent to your registered mobile number. Enter the OTP to complete your payment.

After a few moments, you will see a successful message of payment on your mobile screen.

Step 20: Add a Nominee to your fixed deposit.

Step 21: Confirm your current address and name and click on the “Confirm” button.

Step 22: Now your digital OneCard is ready to use and a physical card will be delivered to you within 48 hours.

One Card Review

If you want to know more about the One Credit Card, you can see the below video. This will be very helpful to you.

Sundareswar Gunasekaran: Its super card looks metal awesome but buying higher products with EMI interest is high compared to another credit card. And also cashback of percentages while buying products both Flipkart and Amazon are not available compared to other cards. Usage of cards is quick and too fast… Manpreet Singh:The best credit card ever. I really hope that in the future they can provide Credit Cards without Fixed Deposits. I already have credit cards from other banks, so I didn’t use them much. When this credit card was launched, there were some amazing offers on Amazon and other sites which made me go for it, but now I rarely see any offers for OneCard on these sites, That’s why I am going to bid it Farewell, This App is The Main Highlight of this company. Every time I browse or swipe on this app, I wanna say “Oh So Smooth” For More Reviews Please Click Here.

One Card Customer Care Number

If you have any questions or queries, you can use the below methods to solve them.

One Card Customer Care Number – Method 1

See the below points to know the Customer Care Number.

Customer Care Number: 1860 266 1111

Customer Care Number (2nd): 1800 210 9111

OneCard Credit Card Email:

Address: You can write a letter to the below address for the resolution of your queries.

FPL Technologies Pvt. Ltd.
Disha Bldg, Survey No 127, Mahavir Park,
Opposite Sarjaa, Aundh, Pune-411007 

One Card Customer Care Number – Method 2

If you are not satisfied with the response from Customer Care, you can send an Email to FPL Technologies Pvt. Ltd. at

One Card Customer Care Number – Method 3

If you are not satisfied with the response from the above-mentioned methods, you can reach out to the concerned bank for your query. Below is the detailed list of the bank’s customer care that is associated with the One Card.

One Credit Card is offered in collaboration with several banks like Bank of Baroda Financial, Federal Bank, IDFC First Bank, SBM Bank, and South Indian Bank.

  • Bank of Baroda Customer Care Number: 1800 258 4455, 1800 102 4455
  • Federal Bank Customer Care Number: 1800 425 1199, 1800 420 1199
  • Federal Bank Email Id:
  • IDFC First Bank Customer Care Number: 1860 500 1111
  • IDFC First Bank Email Id:
  • SBM Bank Customer Care Number: 1800 1033 817
  • SBM Bank Email Id:
  • South Indian Bank Customer Care Number: 1800 425 1809, 1800 102 9408
  • South Indian Bank Email Id:

MyFamily Feature in One Card

You can share your Card credit limit with up to 5 of your family members.

If you have successfully shared your credit limit with your family members, they will have a separate OneCard app and physical card.

Benefits of MyFamily Feature:

  • No joining or annual fee for your family members.
  • Each card has separate offers. So, your family member can earn reward points for their spending.
  • The Primary card member can manage and control spends of his/her family members.

Know Your One Credit Card Rewards

What are One Card Rewards: 

When you purchase something using a this credit card, you earn points. These Reward Points can be redeemed in the form of cash or to repay existing transactions.

For every Rs.50 spent, you get 1 reward point.

Features of One Card Reward Programme: 

  • Reward points are issued instantly and can be seen in the One Card app.
  • Earn reward points in all types of categories.
  • Earn 5 times rewards on your top 2 categories each month.
  • Reward points are credited to your account with every penny spent.
  • Your earned reward points will never expire.
  • Zero reward redemption charges.

One Card Offers

latest offers are updated regularly on their website.

It provides offers on various categories like Food, Travel, Entertainment, etc.

For more details, You can check here the latest offers.


Q: Who is the owner of One Card?

Ans: Vaibhav Hathi and Rupesh Kumar are the co-founders of One Card Credit Card.

Q: Can I withdraw money from One Card?

Ans: Yes, you can withdraw money from ATMs. 2.5% of the withdrawal amount will be levied as an ATM withdrawal fee.

Q: Is OneCard FD safe?

Ans: SBM bank received your One Card FD amount as a fixed deposit. SBM bank is an RBI-registered bank, so your OneCard FD is safe with it.

Q: Does One Card affect the CIBIL score?

Ans: Of course, It affects your CIBIL score.

If you do timely payments of your dues, your credit score will increase and vice-versa.

Q: How can I apply for a One Card credit card?

Ans: You can apply for a One Card Credit Card by the One Card app. You can download it from Google Play Store.

We have mentioned step by step process of how to “apply one card” above this page. you can check it now.

Q: How do I contact Federal Bank Customer Care?

Ans: You can use any of the following methods to communicate with Federal Bank Customer Care.

  • Federal Bank Customer Care Number: 1800 425 1199, 1800 420 1199
  • Federal Bank Email Id:
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Jony Baku
Administrator at Finance Expert | Finance Expert

Hello friends, I am Jony Baku and a resident of Haryana, India. I took my first step into the blogging world in 2019 and since then I have been trying to contribute in this field. I love writing and reading articles, that's why I try hard to write my articles as best as possible.

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