iPhone Screenshots


Introducing OneCard - a Credit Card re-imagined for the mobile generation

- Zero joining & annual fees
- Smart app to control your card
- 5X points on top 2 categories

Credit cards haven't changed much for over half a century so at OneCard, our team of seasoned bankers, technologists and designers set out to redefine the credit card for YOU - the consumer.

Why OneCard?

- It's METAL
- Zero joining and annual fees. No hidden fees either!
- 5X Reward Points on Top 2 categories in a month
- Powerful mobile app to control your card

We built OneCard on the principles of simplicity, transparency & giving control back to the user. An experience that is secure and offers you peace of mind because the OneCard technology stack is owned and managed entirely by us.

Manage all aspects of your credit card on-the-go using the powerful OneCard app.

The OneCard App

- Track your available balance
- Manage your credit limit
- Transactions and spends analysis
- Instant rewards redemption
- Manage supplementary cards
- View and download statements
- Easily manage bill repayments
- Use your virtual OneCard for all online spends

OneCard is a credit card offered by FPL Technologies in partnership with IDFC FIRST Bank. The interest rates are among the lowest in the industry and will be determined as per your credit profile and our risk assessment.

You must be over 18 years of age and an Indian resident to be eligible for OneCard. OneCard is currently available on an invite-only basis, and approval is based on bureau and internal credit guidelines. OneCard is currently supported only on iPhone.

What’s New

Version 2.34

We have re-imagined OneRewards to make points' redemption smoother, slicker, faster .... way faster!
Experience this truly rewarding journey and find out what makes the 'all new' OneRewards so #Onederful!

- A delightfully simpler way to use your points
- View your history for 5X points, bonus points and stamps
- Redeem your points for cash as statement credit

Ratings and Reviews

2.9 out of 5
410 Ratings

410 Ratings

AmeetKonnur ,

Nice UI but some key features missing

The App is easy to use and has a minimalist look which is nice on the eyes. However some things would help better the experience. For example
1. Have an option to show spend by category. (Not points but spend as it took a few emails to clarify this to the support team but still didn’t get a satisfactory response). This is a basic feature in this day and age where I want to know where do I spend the most. This should be easy and be shown in a Pie chart or something.

2. The chat option really needs to be improved as some of the options just loop back with no way to move forward. Either have an option call back (and don’t make me search the internet to get your call centre number. There should be an option to cal directly fro app) or register a ticket. For example a transaction that shows up on the app but at the merchant shows declined, while using the App ends with two options call or raise a ticket. Call feature doesn’t work and raise a ticket asks me for the merchant terminal no. Do you expect people who are facing these issues to standby at the merchant and use the chat option to fix it then and there ?

Please think of App usage from a end user perspective ans not a developer.

Developer Response ,

Hi Ameet, we have checked our records and would like to inform you that our team has addressed all your concern over the email sent by you under ticket id 200716. We request you to reply to the ongoing trial in case of any further assistance needed. -Yash

shuvam3005 ,

Lacks small refinements

Overall I really like the app for it’s simplicity and ease of use, but there are small inconsistencies in relation to the platform and the features.
Ios has the right swipe to go back, it apparently doesn’t work inside your app. I have the habit of right swiping but then I realise it doesn’t work inside your app and I’ve to reach the top left corner every time. This leads to a bad overall experience due to the UX.
I had the option to refer my friends inside the app the first time. It’s not there anymore, again an inconsistency.
Your terms say that an increase in limit could be requested from inside the app. I haven’t been able to find it yet.

Look after these small things, the app just needs a little bit of polishing and refinement. Otherwise it’s quite enjoyable to use.

Developer Response ,

Hey Shuvam, thanks for reaching and reviewing our app. Your feedbacks are precious to us and we shall surely share the same with our internal team. We would also like to mention that we are continuously working towards making our app smooth and adding new features to it daily. Keep supporting and allow us a chance to fulfil all your expectations in the coming future :) -Yash

Sujoy Gulati ,

Doesn’t move beyond registration

Update: Bug is now fixed. Thanks Vani for the assistance and Dev team for quick updates. Waiting in reserved card queue now.

I have already completed all the prerequisites and I have been shown the limit I’m about to get. When I click on “Reserve my OneCard”, I get a “Error in service” error. This is a terrible first impression for a credit card that calls itself mobile first. Already submitted a ticket for help on the official email - waiting for a reply.

Developer Response ,

Hey Sujoy, thanks for confirming. Do let us know how for any further assistance :) - Vani

App Privacy

The developer, Fplabs, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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