Frequently Asked Questions

OneCard is India’s best and smartest metal credit card, re-imagined for the mobile generation. It is an internationally valid Visa Signature credit card, managed by FPL Technologies Pvt. Ltd. and issued by IDFC FIRST Bank Ltd.

  • Lifetime-free credit card with no joining and annual fees
  • Control all aspects of your card from the powerful OneCard App
  • Among the lowest forex fees in the market @ just 1%
  • Get 5X rewards on your Top 2 spend categories each month
  • Instant issue and redemption of points from the app
  • No redemption fees or minimum threshold to redeem points
  • Get fractional points on spends - no rounding off and losing out

We had launched Waitlist 1.0 in February 2020, and Waitlist 2.0 in August 2020. Both were met with an enthusiastic and overwhelming response, with almost 275,000 participants. In October 2020, we closed the waitlist and made OneCard available to everyone.

Since launch, we have been adding new cities at a rapid pace, and from 3 cities in February 2020, we are now offering OneCard membership to residents of 15 cities - Ahmedabad, Bangalore, Baroda, Chennai, Coimbatore, Delhi (NCR), Hyderabad, Indore, Jaipur, Kolkata, Mumbai, Mysore, Nashik, Pune and Surat. New cities are being added to the coverage area on an ongoing basis in phases.

Yes, the OneCard is a contactless card. It means you can tap your card at a terminal to pay for transactions up to Rs. 2,000 without having to input the PIN. Currently this limit is applicable only in India and on those terminals which accept contactless payments.

In addition to your metal OneCard, there is a virtual rendition of the same card available for you in the OneCard App. This card is also a VISA powered credit card so you can use it for any online or app-based transactions or purchases. The security parameters are set as per industry standards.

The OneCard App is your key to managing your OneCard. For your safety, in case you change your mobile number, email id, or device, you will need to go through an authentication mechanism after you download the OneCard app on your phone.

Your mobile number is the primary contact for us to send you an OTP or transaction based SMS alert, so always ensure that your current mobile number is updated with us, along with email id, in case of any change.

We completely understand that sometimes we lose things and find them again, so if you feel your card is misplaced, you can lock it temporarily from the OneCard App. Once you find it, you can reactivate it.

In case your mobile phone or OneCard is lost or stolen, please report the theft to the police by lodging a First Information Report (FIR), and share a copy of that with us when requested. You should also let us know about this from the app itself or via email on