These Terms and Conditions (Terms) apply to OneCard Credit Card (OneCard) issued by BOB Financial Solutions Limited (BFSL) in partnership with FPL Technologies Private Limited (FPL or Company). Activating the card from the OneCard application or clicking on ‘Submit’ or ‘I Agree’ or any similar tab/icon would mean acceptance of the below terms and conditions by the user (Cardholder/Cardmember).
These Terms presently in force were last updated on January 25, 2022 and are subject to changes from time to time. The most recent version will always be available on this website.
Definitions and Interpretation
1.1 “Applicant” means person(s) who have applied for a OneCard credit card;
1.2. “Application/App” means the OneCard App, through which the Cardmember can control all aspects of the OneCard;
1.3. “App PIN” means the Personal Identification Number created by the Cardmember from the OneCard Mobile Application, to password protect and secure the OneCard Mobile Application;
1.4. “Authorised Dealer” means an authorised dealer as defined in the Foreign Exchange Management Act, 1999, as amended from time to time;
1.5. “BFSL” shall mean BOB Financial Solutions Limited, issuer of the OneCard credit card;
1.6. “Business Day” means a day on which the relevant office of the Bank is open for normal business transactions;
1.7. “Cardmember/Cardholder” means an individual who has been issued the OneCard credit card;
1.8. “Cash Limit” means the maximum amount of cash that a Cardmember can withdraw from an Automated Teller Machine (ATM) using the OneCard credit card. This Cash Limit forms part of the Cardmember’s approved credit limit;
1.9. “Charges” means such charges as are set out in Clause 8 hereof or mentioned anywhere in these Terms. All details of Charges mentioned herein shall be as provided in the MITC unless specifically communicated to the Cardmember, as amended from time to time;
1.10. “Credit Limit/ Purchase Limit” means the limit up to which a Cardmember is authorised to use the OneCard credit card for a purchase transaction at an online/offline merchant establishment;
1.11. “Customer Care” refers to customer service and support systems provided by FPL Technologies Private Limited;
1.12. “Fingerprint Lock” refers to securing the OneCard mobile application by using the Cardmember’s fingerprint as a locking mechanism;
1.13. “FPL” means FPL Technologies Private Limited, responsible for managing the OneCard credit card;
1.14. “Merchant Establishment” means an establishment which honours the OneCard credit card and shall include among others, stores, shops, restaurants, hotels, airlines, cash advance points including ATMs and mail order advertisers (whether retailers, distributors or manufacturers) and shall include establishments which honour the OneCard credit card for online transactions;
1.15. “Merchant” means any person who owns or manages or operates the Merchant Establishment, its successors and permitted assigns;
1.16. “Minimum Amount Due” or “MAD” means the amount mentioned in the OneCard credit card statement, which is the minimum payment a Cardmember must make by the payment due date to keep the card account in good standing;
1.17. “MITC” means the document containing the Most Important Terms and Conditions along with the schedule of charges applicable for the services offered on the OneCard credit card (as provided in Annexure I herein). These charges are subject to changes at the sole discretion of FPL. However, such changes in charges may be made only with prospective effect giving prior notice of 30 days to the Cardmember.
1.18. “OneCard” means the co-branded credit card managed by FPL Technologies Pvt. Ltd.;
1.19. “OneCard Account” means the account opened in the name of the Cardmember for the purpose of usage of the OneCard credit card as per the terms and conditions set out herein;
1.20. “OneCard PIN” means the Personal Identification Number created by the Cardmember from the OneCard Mobile Application, to act as a security measure against potential misuse of the OneCard;
1.21. “Payment Due Date” means the date every month, on which the payment is due, towards charges incurred on usage of the OneCard;
1.22. “Primary Cardmember/Cardholder” is the person in whose name the Card Account has been opened and to whom the OneCard has been issued;
1.23. “RBI” means the Reserve Bank of India;
1.24. “Statement” means the monthly statement of account sent to a Cardmember containing the list of charges incurred on the card as well as the amount due and the date by which it is to be paid
1.25. “Supplementary/Add-on Cardmember/Cardholder” means the family member(s) of the Primary Cardmember/Cardholder who become(s) a Cardmember by virtue of relationship with the Primary Cardmember.
1.26. “Total Amount Due” or “TAD” means the overall outstanding amount mentioned in the Statement;
1.27. “Transaction Instruction” means any instruction given by a Cardmember directly or indirectly to FPL and/or through the App or Customer Care to effect the transaction;
1.28. “Virtual Credit Card” shall mean a virtual rendition of the OneCard which can be used for online or app-based transactions;
1.29. “Website” shall mean the OneCard website, owned and maintained by FPL at the URL https://www.getonecard.app
Card Services 💳
OneCard is the property of FPL, who reserves the right to:
2.1. Ascertain a cardholder’s credit worthiness by obtaining a credit bureau report and any other reports as it may deem necessary; and
2.2. Decline to issue the OneCard to a cardholder at their sole discretion. The OneCard is not transferable, and its usage is subject to the Terms mentioned here and any additional conditions stipulated by BFSL from time to time
2.3. Change the credit limit from when the card is reserved to when it is issued
2.4 Proceed with activation of the card subject to completion of KYC (Know Your Customer) norms and other guidelines
Please sign on the reverse of the OneCard immediately upon receipt. The OneCard App and Customer Care options are available to all Cardholders.
The Cardholders availing of any services/facilities including but not limited to, enhancement of credit limit, enquiry on transactions, Total Amount Due, statement details, payment due date, etc. through the App and/or Customer Care shall at all times continue to be bound by the Terms stipulated by FPL with respect to the services/facilities and the mode of availing of such facilities/services, as amended from time to time.
The OneCard Mobile Application📱
Cardholders can control the OneCard entirely from the powerful OneCard Mobile Application, some of the actions being:
3.1. Set their App PIN
3.2. Activate their OneCard
3.3. Make credit card bill payments
3.4. Manage their virtual credit card
3.5. Control their credit and cash withdrawal limits
3.6. Enable online, domestic and international usage
3.7. Set their OneCard PIN (For use at Point of Sale and ATMs)
3.8. Raise disputes or service queries on any aspect of their OneCard
Virtual Credit Card 💳📲
4.1. In addition to the physical OneCard, cardholders will also receive a virtual rendition of the same OneCard which will be available on the App, as part of the on-boarding process.
4.2. This virtual card is also a VISA powered credit card which cardholders can use for any online or mobile application-based transactions or purchases. The security parameters are set as per industry standards.
Use of the OneCard 🛒
5.1. The OneCard is an internationally valid credit card and valid world-wide except as provided in Clause 5.12 below. The OneCard is acceptable at any Merchant Establishments accepting Visa cards. Please use the OneCard for bona-fide personal or official purpose only.
5.2. However, FPL reserves the right to decline the use of the OneCard on account of but not restricted to regulatory restrictions, technical difficulties and unforeseen circumstances.
5.3. A Merchant Establishment has the right, at any time, to refuse the use of the OneCard at that Merchant Establishment for any reason whatsoever.
5.4. For any charges levied by the Merchant Establishment towards the services availed by cardholders, the same shall be settled with the Merchant Establishment directly and FPL shall in no manner be held liable for them or the quality of service received or items purchased. On use of the OneCard at the Merchant Establishment, it is recommended that cardholders collect a copy of the transaction/payment slip.
5.5. All the contents of the statement will be deemed to be correct and accepted if cardholders do not inform us of any discrepancies within 30 days of the statement date and not later than 60 days from the date of transaction. In the event of billing disputes/discrepancies, we shall investigate and confirm the liability for such transactions. For certain disputes, we may offer a temporary credit during the period of investigation, which may be reversed along with applicable charges subject to outcome of the investigation. GST levied will not be reversed on any dispute on fees and charges or interest.
5.6. Cardholders can use the OneCard:
5.6.1. within the Credit Limit notified by FPL to them; and
5.6.2. not after the last date of the month of the expiry date displayed on the card.
5.7. The right to use the OneCard shall be determined forthwith:
5.7.1. in the event of termination pursuant to Clause 7 below; or
5.7.2. in the event of loss/misuse or theft of the card.
5.7.3. By usage of the Card, cardholders are deemed to have made a standing request that renewal of period of the Card and/or replacement OneCards be issued to them until they request closure of the OneCard from the App or by contacting Customer Care, and such renewal and/or replacement shall be subject to the sole discretion of FPL.
5.8. The Total Credit Limit and Total Cash Limit on every OneCard, at any point in time are assigned at the sole discretion of FPL.
5.9. Cardholders shall act in good faith at all times in relation to all dealings with the Card and FPL.
5.10. The OneCard issued to cardholders is valid world-wide for payment in foreign exchange except at Merchant Establishments in Nepal and Bhutan. Use of the card in Nepal or Bhutan for payment in foreign exchange would be a breach of the “Foreign Exchange Management Act” (FEMA) or any other corresponding law. Cardholders accept full responsibility for wrongful use in contravention to these conditions and undertake and agree to indemnify FPL and the Bank to make good any loss, damage, interest, conversion, any other financial charge that FPL or the Bank may incur and/or suffer as a result of their violations of the provisions thereof.
5.11. In compliance with RBI’s circular of January 15, 2020, at the time of issue, the card shall be enabled for use only at contact based PoS or ATMs within India. The facility to enable or disable online transactions (domestic and international), international transactions and contactless transactions will be provided from the App.
5.12. Do not use this Internationally valid Card on the Internet or otherwise for purchase of prohibited items like lottery tickets, banned or proscribed magazines, participation in sweepstakes, payment for callback services, remittance in any form towards overseas forex trading, margin calls to overseas exchanges/overseas counterparty, trading in foreign exchange in domestic/overseas markets etc.
5.13. Authorised Dealers can accept payment by debit to the OneCard for exports made out of India irrespective of whether the importer client is on a visit to India or not. Therefore, Authorised Dealers may receive payment for exports made out of India by debit to the Credit Card of an importer, where the reimbursement from the Card issuing bank/organisation will be received in foreign exchange.
5.14. FPL reserves the absolute discretion and liberty to decline or honour the authorisation requests on the OneCard without providing any reason to the Cardmember. In certain cases, subject to its sole discretion, FPL may require cardholders to contact Customer Care to authenticate the transaction before approving it and charging to the Card Account.
5.15. Further, cardholders agree that they will not use the OneCard as payment for any illegal/unlawful purchase/purposes. The OneCard should be used only for lawful, bona fide personal purposes and must not be used for any money laundering, anti-social or speculative activities or must not be exploited commercially in business (e.g. for working capital purposes).
5.16. If the OneCard is found to be used for prohibited, restricted, commercial purposes or any purposes as mentioned above in Clause 5.15, FPL may, at its sole discretion, exercise its right to close the concerned OneCard and Supplementary Cards without any notice to cardholders.
5.17. FPL has the right to enquire over phone or through any other means of formal communication and seek details, information, proof etc. about the OneCard transactions, pattern of use, etc. and cardholders are contractually bound to provide the information sought by FPL when requested.
Unsatisfactory responses or no responses from cardholders may lead to blocking or termination of their OneCard account by FPL. Transactions on the OneCard will be allowed only up to the unused amount of Total Credit Limit on the Card Account at the time.
Identity Verification for OneCard and App usage 🔐
6.1. We have ensured that cardholders can carry out transactions only in a secure environment after they authenticate themselves with their preferred authentication mechanism (Fingerprint Lock or App PIN) on the App. Cardholders should be aware of the features and impact of these transactions as they would be responsible for their actions within the App.
6.2. To prevent any unauthorised access, please secure the App with an App PIN or fingerprint lock. Further, to enable cardholders to use the OneCard in a secure manner, a Personal Identification Number (OneCard PIN) for the OneCard will be issued. The OneCard PIN can be generated by cardholders from the App , and may subsequently be changed by them from the App at any time.
6.3. The App PIN provides access to the Card Account and cardholders accept the sole responsibility for use, confidentiality and protection of the App PIN, as well as for all orders and information changes entered into the Card Account using this App PIN.
6.4. Cardholders should not share either the App PIN or OneCard PIN with anyone or store it in a way that a third party can access it. FPL is authorised by cardholders for carrying out transactions and instructions authenticated by the PIN and shall not revoke the same.
6.5. For online purchases, we have ensured that the verification/authentication is not only secure but convenient. Cardholders can authenticate their online purchases using the following methods:
6.5.1 “Swipe to Pay” - We will send a notification on App whenever cardholders make e-commerce purchases at domestic merchants. Cardholders would need to authenticate themselves using the App PIN or biometric credentials (as applicable) to access this notification. On successful verification, cardholders will have to swipe to confirm the purchase. In case cardholders do not wish to use this service, they can switch this off using the App controls.
6.5.2 One-Time Password (OTP): In case cardholders wish to authenticate themselves using an OTP, they can always request an OTP during the purchase, based on which the transaction will be approved using the OTP sent on their registered mobile number. Cardholders shall at all times take all appropriate steps to maintain the security of the OneCard PIN. If cardholders fail to observe the security requirements, they may incur a liability for FPL, who may, at its absolute discretion, issue a new OneCard PIN on the existing OneCard or ask them to create a new OneCard PIN from the App.
6.5.3 One-Click Payment - In case of certain merchants, cardholders can enrol for “One-Click Payment/Visa Safe Click payment” by verifying themselves once only. Post enrolment, they will be authenticated by Visa using the device parameters used during enrolment. This service is available only on Android devices as of now. Cardholders will have to enrol for one-click payment at their preferred merchants who support such a One-Click payment mechanism. This service is brought to cardholders by Visa and is subject to Visa’s Terms and Conditions.
6.6 In case cardholders have added their OneCard for any subscriptions or recurring payments, then the registration for these services and/or first transaction will be authenticated using any of the above methods provided in Clause 6.5. The subsequent transactions will not be authenticated and will be approved based purely on the first verification. In case cardholders wish to change their subscription plan at any time, they can do that directly from the merchants website or app. Cardholders should note that the subscriptions/recurring payments arrangement is subject to the following conditions set forth by the RBI, which may be amended from time to time.
6.6.1 Any modification to these subscriptions/recurring payments will require authentication using any of the above methods stated in Clause 6.5.
6.6.2 The maximum permissible limit for these subscriptions/recurring payments is Rs. 5,000. At the time of registering for the aforesaid payments, cardholders can set a fixed rupee value or a variable range within the Rs. 5,000 limit which will be charged to their OneCard for the validity period of the subscriptions/recurring payments arrangement.
6.6.3 Cardholders will be given a pre-transaction notification at least 24 hours prior to the amount being charged to their OneCard. The pre-transaction notification will be received by them on their preferred mode of communication provided by them at the time of registering for this kind of payment arrangement.
6.6.4 This pre-transaction notification will contain the name of the merchant, transaction amount, date/time the OneCard will be charged, reference number of the transaction and reason for charge (which will be provided by Cardmember at the time of registering the subscription/recurring payment arrangement).
6.6.5 On receiving the pre-transaction notification, the Cardmember will have the facility to opt-out of paying for that transaction. If cardholders choose to opt-out, the action will have to be authenticated using one of the methods provided in Clause 6.5. On receipt of intimation of such an opt-out FPL shall ensure that the particular transaction is not effected and subsequent recurring transactions are not effected as well. FPL shall send cardholders an intimation to confirm the same to their preferred mode of communication.
6.6.6. Cardholders shall, at their sole discretion, have the option, to withdraw/revoke this subscription/recurring payments arrangement through the App or Website. Such withdrawal/revocation shall be authenticated using one of the methods provided in Clause 6.5. Any withdrawal/revocation from these subscriptions/recurring payments shall result in FPL not processing/effecting subsequent transactions for that particular arrangement. However, cardholders may note that any pipeline transactions shall be effected.
“Pipeline transactions” shall mean those transactions for which pre-transaction notifications were sent to the Cardmember and the opt-out facility was not exercised, however the Cardmember chose to withdraw the payment arrangement before the transaction alert could be sent to or received by the Cardmember.
6.6.7 No charge shall be levied or recovered from cardholders for availing this subscriptions/recurring payments arrangement.
Breach, Surrender and Termination/Revocation of Card Membership 😢
In the event of breach of any of these Terms by any cardholder:
7.1.1. Notwithstanding any other provision of these Terms the cardholder will remain liable for any loss directly or indirectly resulting from such a breach; and
7.1.2. The cardholder will be liable to pay upon demand, all amounts outstanding from the cardholder, whether due and payable at the date of such demand or not.
7.2. Procedure for surrender of card by cardholder – due notice
7.2.1. Cardholders can close their OneCard account any time by calling our Customer Care team or by emailing us. The entire card outstanding dues and loans/EMI facilities linked to their OneCard (if applicable and/or availed of) will immediately become due.
7.2.2. Any refund/reversal that is received after the card closure will be intimated to them and refunded electronically to the account number shared with customer care after verifying the ownership.
7.2.3. Once the virtual OneCard is activated, the physical card will be sent to cardholders. If they choose to cancel card membership within 6 months of activating the virtual card, a charge of Rs. 3,000 will be levied. This would be added to the overall outstanding amount and the card account will be closed once all dues are paid.
7.2.4. Upon termination/revocation of OneCard membership for any reason whatsoever, whether at the instance of the cardholder or FPL, the cardholder shall remain liable for all charges incurred by the use of the OneCard.
7.2.5. Cardholders specifically acknowledge that once their OneCard account is closed, the privileges (including but not limited to all benefits and services accrued, reward points not redeemed etc) of the OneCard stand nullified. Reinstatement of the same is neither automatic nor attendant and will take place solely at the discretion of FPL.
7.2.6. For avoiding misuse, it is advised to destroy the OneCard ensuring that the hologram, magnetic strip and chip are destroyed permanently.
7.2.7. The OneCard account will be closed only once FPL receives the payment of all amounts due and outstanding in respect of the said OneCard account.
7.3. Procedure for revocation of card membership
Cardholders’ access to their OneCard may be cancelled/revoked at any time without prior notice, if we consider it necessary for business or security reasons, including but not limited to:
7.3.1. Delayed or dishonoured payments, improper use of the OneCard potentially in violation of RBI and Foreign Exchange rules.
7.3.2. Misleading or incorrect information/documents given along with card application;
7.3.3. Failure to furnish information or documents as required under the Know Your Customer (KYC)/ Anti Money Laundering (AML) / Combating the Financing of Terrorism (CFT) guidelines;
7.3.4. Involvement in any civil litigation or criminal offence/proceedings by any authority, court of law or professional body or association; and
7.3.5. Changes in credit policy due to prevailing conditions/unforeseen circumstances.
Cardholders may continue to get their OneCard statements with actual outstanding, even after closure of the Card Account.
Charges and Payments 📅
Here are some of the charges payable by cardholders on the payment date (currently on 4th/5th), which will be shown in the App:
8.1. The amount of any purchase of goods and/or services or a cash withdrawal;
8.2. Any fees as specified in Clause A of the MITC.
8.3. Service charges on specific types of transactions as decided by FPL from time to time may be levied.
8.4. All statutory taxes, Goods and Services Tax (GST), and other taxes (of any description whatsoever) as may be levied from time to time by the Government or other authority in respect of or in connection with the OneCard.
8.5. Delayed or Amended Charges:
8.5.1. A Merchant may process delayed or amended charges if cardholders have consented to be liable for delayed or amended charges for a hotel, car rental company, cruise line transaction or any other transactions; and
8.5.2. Delayed or amended charges shall be processed to the Card Account within 90 calendar days of the transaction date of the related transaction.
8.6. These transactions may include room, food or beverage charges, taxes, fuel, insurance, rental fees, damage to rental vehicles, parking tickets and other traffic violations, and goods and services purchased aboard a cruise line vessel.
8.7. Transactions at Fuel Stations: When cardholders use the OneCard to pay for fuel, they will be levied a surcharge. This will be completely waived for the fuel transactions made on OneCard. Such reversal will not include the applicable tax paid on such purchase.
8.8. Cardholders shall become liable to pay as soon as a Charge has been incurred by use of the OneCard. If there is a previous outstanding amount, interest would be levied on those amounts as well.
8.9. The Charge is computed on an average daily balance method and will be levied from either of the following dates:
8.9.1. Where the Charge is in respect of purchase of goods or services, from the date of it being included in the records of FPL; and
8.9.2. Where the Charge is in respect of cash withdrawal, then from the date of cash withdrawal up to the date of receipt of payment by FPL.
8.10 When cardholders get their Statement (currently on 18th), they can choose to pay the Total Amount Due (TAD) or the Minimum Amount Due (MAD) as per their statement. The remaining balance can be carried forward to subsequent months.
This Minimum Amount Due will be:
8.10.1. 5% of the outstanding amount or Rs.100 (whichever is greater); PLUS
8.10.2. Previous unpaid minimum amount dues, if any; PLUS
8.10.3. Any amount exceeding the credit limit; PLUS
8.10.4. Entire amount of any instalments (EMI) due (if/as applicable)
Besides the Total Amount Due or Minimum Amount Due, they can also pay an amount between the Minimum Amount Due and Total Amount Due. Payment should be made before Payment Due Date to avoid Late Payment Charges.
8.11. If the Total Amount Due is less than Rs.100, Minimum Amount Due would be equal to the Total Amount Due, i.e. Rs.100. Cardholders can pay the outstanding dues through the App using the following modes:
8.11.1. From any UPI Handle
8.11.2. Using their Debit Card
8.11.3. Via Netbanking
8.11.4. Via IMPS or NEFT, to the unique OneCard account number provided in the app
We know our cardholders believe in digital payments, so we do not accept repayments via cash or cheque 😉
8.12. Any payments received from cardholders against the amounts specified in a particular Statement shall be adjusted towards such dues in the following order:
8.12.1 Billed cash advance (including interest, fees & taxes)
8.12.2 Billed purchases with interest, fees & taxes as applicable
8.12.3 Unbilled cash advance (including interest, fees & taxes)
8.12.4 Unbilled purchases with interest, fees & taxes as applicable
Within the above, the order of adjustment shall be: Taxes, Fees, Interest, Purchases.
8.13. The above order of appropriation stated in Clause 8.12 may be modified by FPL at its discretion. Excess amounts, if any, remaining after such appropriation may be appropriated against the amounts, which are to be specified in the immediate next Statement(s) to be generated by FPL, and no interest will be paid on such excess amounts.
8.14. FPL will assign a Credit Limit which must not be exceeded at any time. However, if the total outstanding amount exceeds the Total Credit Limit, an additional charge will be levied on the excess amount. The cardholder can request for a review of the Total Credit Limit on the App. Increase in the Total Credit Limit, if any, will be at the sole discretion of FPL.
8.15. FPL also reserves the right to recommend a credit limit increase to cardholders based on their OneCard usage, inside the OneCard app. This recommendation and its associated Terms and conditions will be made available to them to consider before accepting the recommendation.
Once cardholders read and agree to the Terms related to credit limit increase displayed inside the OneCard app and provide their consent to increase the limit, FPL will enhance the credit limit on their card. Their acceptance of the limit increase recommendation received through electronic means inside the OneCard app where they specifically validate the limit increase and agree to the MITC will be treated as a consent.
FPL will keep the digital records of such consent, and will treat it as as proof of consent in case of any dispute arising later on account of limit increase.
8.16. FPL will review cardholders’ accounts periodically, and reserves the right to decrease their credit limit based on their transaction patterns, repayment behaviour and other internal criteria. This will be informed to them via the OneCard app and/or via email and SMS.
8.17. In case the payment instrument or instruction given by the Cardmember towards payment of OneCard dues is not honoured, or must be returned to them because it cannot be processed, FPL reserves the right to initiate legal proceedings against such cardholders and will levy a fee at its sole discretion and/or temporarily disable or permanently cancel the OneCard. Cardholders will also be liable to pay the late payment charges or any other charges as may be decided by FPL.
Cash Withdrawal 🏧
9.1. Cardholders can use the OneCard to access emergency cash from ATMs. The total amount that can be withdrawn under this facility at any point in time should not exceed the available Cash Limit as shown in their App.
9.2. Cardholders shall be required to retain the record of the transaction generated by the ATM.
9.3. A transaction fee would be levied on all charges and would be billed to cardholders in the next Statement. All cash withdrawals will also attract a service charge calculated on an average daily outstanding balance method from the date of such withdrawal till the payment is received by FPL. This service charge will be debited to the Card Account. The transaction fees and service charges as stated above are non-refundable.
9.4. The Cash Limit is a part of the overall Credit Limit assigned to cardholders though unavailable for the time being. An intimation will be shared once it is enabled.
Lost, Stolen or Misused Credit Cards/Lost Phone 😠
10.1. Procedure to be followed in case of loss, theft or misuse of the OneCard
10.1.1. In case the OneCard is lost, stolen, misplaced, or if the OneCard PIN has been compromised, cardholders should report this immediately from the App or call us on 1860-266-1111 or email us on email@example.com. If the OneCard is misplaced, cardholders can freeze the card temporarily from the App.
10.1.2. If the OneCard is lost or stolen, cardholders can block the lost or stolen OneCard from the OneCard Mobile Application and a new card will be sent to them. They can also reset the OneCard PIN from the App.
10.1.3. In case the mobile phone with the OneCard Mobile Application is lost or stolen, inform us immediately by calling on 1860-266-1111.
10.1.4. Please also report the theft of the OneCard or phone to the police by lodging a First Information Report (FIR) and share a copy of that with us when requested.
10.1.5. If cardholders change their registered mobile number or e-mail address, they should inform us immediately via email to firstname.lastname@example.org.
10.2. Liability of cardholder in case of Clause 10.1 above
10.2.1. They will not be liable for any misuse on the OneCard after informing us of the loss, unless they have acted with gross negligence.
10.2.2. They will be liable for all losses owing to any misuse that happened with their consent or knowledge or prior to informing us about loss of card / phone.
Never share the OneCard PIN and App PIN with anyone!
11.1. We shall be responsible for direct losses incurred by cardholders due to a system failure or malfunction within our control.
11.2. However, our responsibility for the non-execution or defective execution of the transaction is limited to the principal sum and the loss of interest subject to applicable laws for the time being in force.
Exclusion of Liability 👈
12.1. Without prejudice to the remedies available to FPL and these Terms, FPL shall be under no liability whatsoever to the cardholders in respect of any loss or damage arising directly or indirectly out of:
12.1.1. any defect in any goods or services supplied;
12.1.2. the refusal of any person/Merchant Establishment to honour or accept the OneCard;
12.1.3. the malfunction of any computer terminal;
12.1.4. the giving of transaction instruction by any person other than by the cardholder;
12.1.5. handing over of the OneCard by to anybody other than FPL or its representatives;
12.1.6. FPL exercising its right to demand and procure the surrender of the OneCard prior to the expiry date stated on the OneCard;
12.1.7. FPL exercising its right to terminate any OneCard and the corresponding Card Account; or
12.1.8. any injury to their credit character and reputation alleged to have been caused by the repossession of the OneCard and/or, any request for its return or the refusal of any Merchant Establishment to honour or accept the OneCard.
12.2 Cardholders acknowledge that the facility of receiving alerts on the registered mobile phone number or email provided by them while applying for the OneCard, is dependent on the infrastructure, connectivity and services to be provided by service providers engaged by FPL or otherwise.
12.3. Cardholders accept that timelines, accuracy and readability of alerts sent by FPL will depend on factors affecting other service providers engaged by FPL or otherwise. FPL shall not be liable for non-delivery or delayed delivery of alerts, error, loss or distortion in transmission of alerts to them.
13.1. You can request for an add-on/supplementary card for your family members from the “MyFamily” section in the OneCard App.
13.2. Please read these terms carefully before you use “MyFamily” services. Use of the Add-on card shall be deemed acceptance of these Terms and the MITC. The Add-on Cardholder and you, by authorising its issuance, are jointly bound by these Terms and the MITC and this forms a binding agreement between you, BFSL, and FPL (acting on behalf of BFSL).
13.3. Onboarding: To invite a family member, you must provide us the name of the family member (As per PAN), phone number (which we will authenticate with a one-time password while onboarding), relation with the family member, assign credit limit (which can be reset later) and type of card (metal/plastic).
13.3.1. We will send an invite link to the family member, who will have to provide the following details:
i) phone number
ii) email address
iii) date of birth
iv) residential address
v) employment type and place of work
vi) any demographic data
vii) PAN Card
viii) KYC details as per Federal bank
13.3.2. After successful completion of KYC by add-on cardholder, the primary cardholder will have to approve the member for their card to be activated.
13.4.1. OneCard cardholders whose cards are active and in good standing can avail add-on cards for their family members
13.4.2. The number of add-on cards that can be availed by the primary cardholder is restricted to 2.
13.4.3. The primary cardholder can apply for add-on card(s) only for individuals above 18 years of age.
13.4.4. The individual that has been invited for add-on card should have the following documents:
a) PAN Card, and b) Bank Account
13.5. Payment of bills:
13.5.1. The primary cardholder is liable for the repayments of all transactions done on the add-on(s) linked to his/her OneCard account.
13.5.2. The add-on cardholder(s) cannot make his/her payments and won’t have the option to convert to EMI.
13.6.1. The add on cardholders will be eligible for reward points for their transactions.
13.6.2. The transactions eligible for reward points will be same as that as of primary cardholder.
13.6.3. The reward points of the add-on cardholder can be redeemed by primary cardholder as well as add-on cardholder.
13.6.4. The primary cardholder can redeem the reward points of the add-on cardholders in the form of cashback.
13.6.5. The rewards points of the add-on card holder(s) cannot be clubbed by the primary cardholder.
13.7. Deactivate/Reactivate the card:
13.7.1. The primary card holder can deactivate/reactivate the add-on card and this cannot be overruled by the add-on cardholder.
13.7.2. If the card of the primary cardholder is in a blocked state, then the add-on card member’s card will also be blocked.
13.7.3. The Add-on/Supplementary Card can be used so long as the primary card is active.
13.8. Card controls:
13.8.1. The primary cardholder can enable or disable certain transaction or card controls.
13.8.2. The add-on card holder can send the request to change the status of a particular control of the card only once.
13.9. Declaration and terms applicable to Primary and Add-on cardholder
13.9.1. I declare that the Add-on cardholder applicant is staying with me at the same residential address as provided in the primary application form and I understand that all Add-on cardholder communication including Add-on card will be sent to my residential address.
13.9.2. I agree that it will be my responsibility to provide identity or any other additional documents and/or information of the Add-on Card member that may be required by BFSL in future.
13.9.3. I understand that I am liable to honour all charges incurred on the Add-on Card.
13.9.4. I accept that the facility of an Add-on Card will stand automatically terminated in case of termination of membership of the Primary Cardmember.
13.9.5. I confirm that BFSL has shared the Most Important Terms and Conditions (MITC) for the card applied with me and available on its website www.getonecard.app. I have read, understood and accept these MITC.
13.9.6. I understand that issuance of Add-on Card will be subject to eligibility and the BFSL’s internal processing/issuing criteria. I understand that BFSL reserves the right to decline the application.
13.9.7. The spend/credit limit of the Add-on card will be shared with the primary cardholder, any charges on the card will be borne by the primary cardholder.
13.9.8. I hereby agree and understand that in the absence of me submitting OVD of my Current Address within a period of 3 months from the date of this application, BFSL shall be free to proceed with appropriate remedies, which may include but shall not be limited to cancellation of the Card issued to me.
13.9.9. We confirm that the information given is true and correct. We jointly and severally agree to be bound by the Rules and Regulations of use of the Credit Card, copy of which we have received and understood. In particular, we confirm the usage in strict accordance with the Exchange Control Regulations of the Reserve Bank of India. We understand that in the event of failure to do so, we are liable for action under the Foreign Exchange Management Act, 1999 (as amended from time to time) and may be debarred from holding the OneCard, either at the instance of BFSL or the RBI. We authorise BFSL to verify information in this application and to receive, share or exchange information about us with other banks, agencies, companies, third parties, service providers, credit information companies etc. for marketing and administrative purpose or for prevention of frauds, etc.
13.9.10. The Aadhaar document/number, if any, is provided voluntarily to BFSL along with other KYC documents for the purpose of opening an account based relationship and BFSL is authorised to use the Aadhaar details for the purpose of authentication with UIDAI, if required. The Aadhaar card details voluntarily furnished by me are true, correct and complete.
14.1. Cardholders agree that if they fail to make the payment when due, FPL shall, without prejudice, exercise all or any of its rights and remedies available to it in these Terms, the MITC and/or applicable laws.
14.2. If cardholders do not pay at least the Minimum Amount Due 3 days beyond the Payment Due Date, the OneCard will be reported as delinquent by BFSL to the Credit Information Companies (CICs) authorised by the RBI. Non-payment of Minimum Amount Due may also lead to discontinuation of credit card services.
14.3. Once reported to the Credit Information Companies (CICs), there is no withdrawal of the report. However, if dues are settled by cardholders, this information will be provided to BFSL for sharing with Credit Information Companies (CICs) in the subsequent month.
14.4. In the event of a default, cardholders will be sent reminders by post, telephone, email, SMS for settlement of any outstanding dues. If no response is received from them via regular channels, third parties may be engaged to remind, follow up and collect dues.
14.5. A message may be left with their spouse / parent / other direct adult family member / secretary / accountant / other colleague, as available, at their residence / office / phone. Any such third party appointed shall adhere fully to the code of conduct on debt collection.
14.6. In case of accidental death of the primary cardholder, a waiver on outstanding amount due up to Rs. 50,000 will be offered. This will be applicable only for an active card (a card with at least one ATM/POS/E-Commerce transaction in the 90 days prior to date of death). Claim documents are to be submitted by BFSL to ICICI Lombard General Insurance Company Limited within 60 days from the date of intimation. This waiver does not apply to any amount spent by family/friends after the primary cardholder’s death. If the outstanding amount is more than Rs. 50,000, FPL will follow up with the cardholder’s legal heirs, informing them about the outstanding amount and requesting them to clear these dues.
Charges made in Foreign Countries/Currency 💲
15.1. When using their OneCard abroad, cardholders agree to use it strictly in accordance with the relevant exchange control regulations, issued and as amended by RBI from time to time.
15.2. In the event cardholders exceed their entitlements as per the exchange control guidelines of RBI, they shall bring the same to the notice of FPL via email. If the passport is required to be endorsed for any such charges incurred as stipulated by RBI, the onus of getting the passport endorsed shall lie entirely on the Cardholder.
15.3 In the event of any failure to comply with the prevailing exchange control guidelines issued by RBI, the cardholder shall be liable for any action under the Foreign Exchange Management Act, 1999 as amended from time to time, and be debarred from the credit card facility either at FPL’s instance or by RBI.
15.4. FPL shall be under no liability in respect of any loss or damage arising directly or indirectly out of decline of a charge because of exceeding foreign exchange entitlements as prescribed by RBI guidelines issued from time to time, on FPL becoming aware of cardholders exceeding their entitlements.
15.5. If a transaction is made in a currency other than Indian Rupees, that transaction will be converted into Indian Rupees and shown in the statement. The conversion will take place on the date the transaction is settled with FPL, which may not be the same date on which the transaction was done.
15.6. If the transaction is not in US Dollars (USD), the conversion will be made through US Dollars, by converting the charged amount into US Dollars and then by converting the US Dollar amount into Indian Rupees (INR), at the rate provided by VISA on the settlement date. On this amount, a forex markup fee will be levied for every foreign transaction made with OneCard.
15.7. A forex markup fee will also be levied in case of an Indian Rupee (INR) transaction done at a merchant or payment gateway that is based out of India.
Arbitration and Resolution of Disputes 💬
16.1. Any requisition received from a Merchant Establishment by FPL for payment shall be conclusive proof that the Charges were properly incurred by cardholders, unless the OneCard is lost, stolen or fraudulently misused and the same is reported as provided in Clause 8 above - which they would need to prove.
16.2. Cardholder’s signature on any chargeslips or authentication of the transaction by input of their OneCard Credit Card PIN, OneCard App PIN, One-Time-Password (OTP) sent on their registered mobile number or the gesture of swiping the transaction confirmation notification i.e. Swipe to Pay, or use of Visa Safe Click/One-Click process defined by Visa shall be conclusive evidence of the liability incurred by them.
16.3. In case of any facility availed of through Customer Care or the App by using the OneCard PIN, App PIN or User ID will be conclusive proof that the cardholder has effected the transaction. FPL shall not be required to ensure that cardholders have received the purchased goods or services.
16.4. In the event cardholders disagree with a Charge indicated in the Statement, please let us know within 60 days of receipt of the Statement, failing which it would be assumed that all Charges indicated in the Statement are in order.
16.5. All disputes, differences and / or claim or questions arising out of these presents, or in any way touching or concerning the same, or as to constructions, meaning or effect thereof, or as to the right, obligations and liabilities of the parties hereunder shall be referred to and settled by arbitration, to be held in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or any statutory amendments thereof, of a sole arbitrator to be nominated by the Company, and in the event of death, unwillingness, refusal, neglect, inability or incapability of a person so appointed to act as an arbitrator, the Company may appoint a new arbitrator to be a sole arbitrator. The arbitrator shall not be required to give any reasons for the award, and the award of the arbitrator shall be final and binding on all parties concerned. The arbitration proceedings shall be held in Pune.
16.6. Without prejudice to the above, the Company may at its sole discretion issue notice to the cardholder for initiating conciliation proceedings for the settlement of any of the above-mentioned disputes in the cases where the cardholder has defaulted in the payment of the dues for more than 60 days.
Quality of Goods and Services 👍👎
17.1. FPL shall not, in any way, be responsible for merchandise, merchandise warranty or services purchased, or availed by cardholders from Merchant Establishments, including on account of delay in delivery, non-delivery, non-receipt of goods or receipt of defective goods by cardholders.
17.2. OneCard is purely a facility to cardholders to purchase goods and/or avail of services, and FPL holds out no warranty or makes no representation about quality, delivery or otherwise of the merchandise.
17.3. Any dispute or claim regarding the merchandise or service must be resolved by cardholders directly with the Merchant Establishment. The existence of the claim or dispute shall not relieve cardholders of their obligation to pay all the Charges to FPL and cardholders agree to pay such charges promptly.
Credit Transaction 💰
18.1. A debit for a purchase and a subsequent credit for cancellation of goods/services are considered to be two separate transactions. Cardholders must pay for the purchase transaction as it appears in the Statement to avoid any additional charges being levied.
18.2. On cancellation, the refund will only be credited to the Card Account (less cancellation charges) as and when received by FPL. If the credit is not posted to the Card Account within a period of 30 days, cardholders can notify FPL via email or phone.
19.1. BFSL will share credit information including but not limited to the current balance, loans/EMI facilities linked to the OneCard primary and add-on card (if applicable and/or availed of), balance outstanding on the OneCard/loan, payment history etc. with Credit Information Companies (CICs) authorised by RBI, as per the Credit Information Companies (Regulation) Act, 2005.
19.2. Banks have all responsibility for adherence to all regulatory rules, directions, and guidelines including guidelines on outsourcing of financial services by banks or NBFCs issued by the RBI. The company does not provide any services in contravention of the guideline on outsourcing of financial services by banks or NBFCs issued by the RBI.
19.3. FPL will provide particulars of the Card Account to the statutory authorities and BFSL, as needed.
19.4. Transaction alerts received may not be assumed as a confirmation of transaction completion.
19.5. If cardholders do not wish to receive any marketing calls from FPL for other products, they can register their request by sending us an email on email@example.com as well as opt-out from promotional/marketing emails via the Unsubscribe link which will be provided in such emails.
19.6. Cardholders will continue to receive communications about transactions and core features of OneCard.
Settlement of Disputes ⚖️
All disputes are subject to the exclusive jurisdiction of the competent courts in Pune, India, and shall be governed by the laws of India. Any arbitration proceeding hereunder shall be conducted on a confidential basis. Each Party shall cooperate in good faith to expedite (to the maximum extent practicable) the conduct of any arbitral proceedings commenced.
Reward Points 🎁
By using their OneCard, cardholders are automatically enroled in the OneCard Rewards Programme. When they transact with their OneCard, reward points are credited to their OneCard account depending on the transaction value and the purchase category. These reward points can be accumulated and further used to repay other purchases or redeemed for exciting offers shown in the OneCard App from time to time.
I. Earn Reward Points
a) Reward points will be credited only on regular purchases across any category.
b) Reward points will not accrue for money transfers, rent payments, cash withdrawals and digital wallet loading or top-up transactions. Sometimes, when cardholders purchase a service/product on a digital wallet app which also offers in-app purchases, they may not get reward points, as it involves actual wallet load, which is then used to make payment to the merchant.
c) Currently, cardholders will get 1 Reward Point on every purchase of Rs. 50.
d) For purchase amounts below Rs. 50, fractional points will be credited. For example, if cardholders spend Rs. 25 on a recharge, 0.5 reward points will be credited.
e) Bonus Rewards: Valid and confirmed purchases across the Top 2 categories in a month are eligible for “5X” rewards, which means cardholders would receive 5 times the reward points on those categories for that month.
- To qualify, cardholders must make purchases across at least 3 categories in a month. From these, the top 2 categories would be eligible for 5X rewards.
- Points accruing due to 5X rewards will be credited to the points balance on the 10th day of the subsequent month. For example, if purchases in July are eligible, 5X points will be credited to the points balance on August 10.
II. Redeem Reward Points:
a) No fee is levied if cardholders wish to redeem reward points.
b) Rewards points can be redeemed including in the following ways:
- Pay with points: which lets cardholders pay for previous transactions
- Redeem points for other offers/benefits as applicable from time to time
c) The “Pay With Points” functionality will be available against transactions that are less than two months old. For example, if cardholders make a purchase on July 15, they can repay it with points till September 14 only (subject to available points balance).
d) On redemption, the rewards points so redeemed will be automatically subtracted from the accumulated reward points in the OneCard account.
e) To pay with points, simply swipe right on a transaction. In case available points are inadequate, a message will be shown to indicate how many points are needed.
III. Other Terms:
a) Reward points which have been credited or debited to or from the OneCard account shall be reflected on the OneCard app. Cardholders can also view the reward points accumulated by them on the OneCard app.
b) FPL reserves the right to wholly or partly modify the OneCard Rewards Programme. FPL also reserves the right to change the reward point conversion rate, withdraw reward points awarded or to vary any of the terms and conditions herein in its absolute discretion without prior notice to the cardholder.
c) In case this OneCard Rewards Programme comes in conflict with any rule, regulation or order or any statutory authority, then FPL has the absolute authority and right to modify or cancel this rewards programme to give effect to said requirements.
d) Reward points do not expire and have lifetime validity, except in circumstances detailed below:
- If the OneCard is not used for more than 365 days, the accrued reward points will be nullified.
- FPL reserves the right to cancel or suspend the accrued reward points if the OneCard account is in arrears, suspension or default or if the OneCard account is or is reasonably suspected to be operated fraudulently.
- In case of cardholder’s death, the reward points earned but not redeemed at that time will be forfeited.
- If a transaction is reversed by way of a refund/chargeback/reimbursement, the transaction amount shall be credited back to the OneCard account. In such instances, the reward points accrued on those transactions will be reduced from the overall points balance.
- In case a cardholder cancels vouchers that were availed of by redeeming reward points, points can be reinstated at FPL’s discretion at the same rate at which they were redeemed.
- On closure/termination of OneCard membership, any reward points pending to be claimed in the cardholder’s account will be forfeited.
e) FPL will not be held responsible if any supplier of products/services offered to cardholders, withdraws, cancels, alters or amends those products/services.
f) FPL makes no warranties for the quality of products/services provided by the merchant establishments participating in the OneCard Rewards Programme.
g) Cardholders may note that every purchase is assigned a different “Category” depending upon the Merchant Category Code (“MCC”) defined by VISA. According to this, the merchant acquiring bank classifies the merchant depending on the service provided by them. For example, Food & Dining, Shopping, Travel, Entertainment, Groceries, Bills & Utilities, Fuel, and so on. FPL does not have any control over this MCC classification.
These referral programme terms and conditions shall apply to the customer who uses the OneCard (“Cardholder/Cardmember”) and the person who agrees to be referred to the OneCard (“Referred User”). Participation in this referral programme is entirely voluntary and it is understood that participation by the Cardholder, shall be deemed to have been made on a voluntary basis.
This programme will be applicable for all OneCards activated via referral links on and after November 10, 2020.
22.1. Effective November 12, 2021, cardholders will receive Two Thousand (2,000) bonus reward points for every new user who joins OneCard through their referral link.
22.2 The Referred User will have to download the OneCard app using the link provided by the cardholder and activate their virtual OneCard. The cardholder will receive bonus points only for Referred Users who successfully activate the OneCard.
22.3. If a Referred User does not join OneCard through their referral link, then cardholders will lose out on the bonus points.
22.4. Points earned for referring users will not be eligible for the monthly 5X rewards boost.
22.5. If a Referred User is already a OneScore App user and has applied for OneCard, then such a Referred User will not be considered for bonus reward points.
22.6. If more than one Cardholder provides the same reference, the Referred User shall receive a referral link from both the Cardholders and the Referred User can choose to apply using any referral link and the corresponding Cardholder shall receive the reward points.
22.7. The referral link shall be valid only for 30 days. In case a Referred User joins after 30 days, then the Cardholder will not receive points for the same.
22.8. Along with the referral rewards value and applicable limits, the decision of issuing OneCard to the Referred User will be at the sole discretion of FPL Technologies, as per our evaluation policy.
22.9. IMPORTANT Sharing of personal information between the Cardholder and the Referred User:
As part of this referral programme and the Cardholder being able to receive reward points for successful referrals using a referral link, the Referred User acknowledges, understands and agrees that when the Referred User accepts the invitation via the referral link and successfully activates the virtual OneCard, the Cardholder will know that the Referred User has received the OneCard. If the Referred User desires to avoid disclosing this personal information, then the Referred User may choose to apply independently and not via the referral link sent by the Cardholder.
Likewise, by sending a referral link, the Cardholder acknowledges, understands and agrees that the Referred User will know that the Cardholder stands a chance to get rewarded by way of bonus points. If the Cardholder does not desire to disclose this information, the Cardholder should not send a referral link. All communications related to the OneCard approval or rejection will be communicated to the Referred User only and not to the Cardholder. Only a successful referral will trigger a communication to the Cardholder along with the reward redemption details.
22.10. FPL reserves the right to disqualify the Cardholder from the benefits of this programme, if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under this programme or otherwise by use of the OneCard.
22.11. A cardholder can earn bonus reward points for a maximum of 10 referrals in any calendar month, and a maximum of 100 referrals in a calendar year.
22.12. FPL has the sole discretion to change, suspend or modify, from time to time, the referral programme and the terms and conditions herein in accordance with applicable laws.
Terms and Conditions 🛠
23.1. A soft copy of these Terms, the MITC, relevant credit card guidelines and FAQs are all available on www.getonecard.app. FPL shall have the absolute discretion to amend or supplement any of the Terms, features and benefits offered on the OneCard including, without limitation to, changes which affect existing balances, interest charges or rates and methods of calculation at any time.
23.2. Cardholders will be liable for all charges incurred and all other obligations under these revised Terms until all the amounts under the OneCard primary and add-on card/s are repaid in full. FPL may communicate the amended Terms by hosting the same on www.getonecard.app or in any other manner as decided by FPL.
23.3. Cardholders shall be responsible for regularly reviewing these Terms including amendments thereto as may be posted on the website and shall be deemed to have accepted as the amended Terms by continuing to use the primary and add-on OneCard.
23.4. Any change in the Terms shall be communicated to cardholders, in the above manner, one month prior to the date of their implementation.
Declaration and Consent ✅
The cardholder declares and provides consent as below:
24.1. I hereby acknowledge that I have applied for the OneCard Credit Card issued by BFSL in partnership with FPL and declare that I am a resident Indian over 18 years of age. I declare that all the particulars and information given as part of application are true, correct and complete and that FPL/BFSL is entitled to verify these details directly or through any third-party agent. I further understand that FPL/BFSL may at its sole discretion sanction or decline this application for the Card, without assigning any reason whatsoever.
24.2. I do hereby declare and confirm that I have personally read, understood and interpreted the MITC (Most Important Terms & Conditions) fully as available on the website. I confirm that I have read the MITC along with the application form and have read all details in it. The MITC provided is in English language and I am fully conversant with English to understand the MITC. Further, I request FPL to provide any information with regard to OneCard in English language. I declare and understand that the Credit Card issued to me, if used overseas, shall be utilized strictly in accordance with the relevant exchange control regulations issued and as amended by the Reserve Bank of India (RBI) from time to time. In the event I exceed my entitlements as per the exchange control guidelines of RBI, I undertake to bring the same immediately to the notice of FPL in writing. In the event of any failure to comply with the prevailing exchange control guidelines issued by RBI by me, I shall be liable for any action under the Foreign Exchange Management Act,1999, as amended and be debarred from the Credit Card facility either at FPL/BFSL instance or RBI.
24.3. I undertake to inform OneCard regarding any change in my application credentials originally submitted and to provide any further information that they may require to process the Application and/or continued usage on the OneCard. I hereby agree and understand that in the absence of me submitting OVD of my Current Address within a period of 3 months from the date of this application, FPL/BFSL shall be free to proceed with appropriate remedies, which may include but shall not be limited to cancellation of the Card issued to me.
24.4. I agree that credit limit on my card account may be reviewed as per the policies specified from time to time and FPL/BFSL will be entitled to cancel my application/cards or to alter the credit/cash withdrawal limits or update the product at any time without assigning any reason. I understand that FPL/BFSL will provide the credit card as per its internal guidelines and I give consent for issuance of any different credit card in case I am not eligible for the credit card applied for.
24.5. I hereby give my consent to FPL/BFSL for obtaining my KYC details from CERSAI CKYC portal and to receive information from Central KYC Registry through SMS/ Email on the registered number/ email address.
24.6. I also confirm that I am not a defaulter of any Credit Institute/ Bank and my repayments are regular. By signing this application, I understand that all the transactions are effected through my card account. I, including my successors, legal heirs, assignees shall be lawfully responsible for making payments for the same, as per the schedule in force from time to time. I further understand that mere disputing the transactions shall not absolve my prime liability to defer/ delay the payment of my credit card dues and I along with my successors, legal heirs, assignees will be fully responsible for making payments of the same, as per the payment schedule in force from time to time. In case of default in payment of the card outstanding, FPL/BFSL may refer the matter to the sole arbitrator to be appointed by the company. The arbitration shall take place in Mumbai and/or Pune and I undertake to abide by terms and conditions whatsoever of the award, if any passed by such arbitrator.
24.7. I confirm and authorize FPL/BFSL to (a) Use my Aadhaar details to authenticate me from Unique Identification Authority of India (UIDAI) (b) UIDAI to release my demographic details to FPL/BFSL through biometric authentication which BFSL may use for KYC verification (identity/address proof) for the purpose of Credit Card. I/we hereby submit my Aadhaar number/Aadhaar Card/Aadhaar Details (“Aadhaar Details”) as issued by UIDAI as proof of identity and Address for KYC purpose. Further, I/we voluntarily provide my/our independent consent for submitting my/our Aadhaar details to FPL/BFSL, as per regulations of Aadhaar Act, 2016 for processing my credit card application. I confirm and agree that FPL/BFSL shall not be liable in any manner whatsoever due to my submitting Aadhaar details with FPL/BFSL. I further state and declare that while sourcing the application of OneCard. No cash has been collected from me. No credit limits / additional gifts etc. have been promised to me. I shall contact the customer helpline in case I have any doubts / clarifications.
24.8. I hereby authorize and give express consent to FPL/BFSL to disclose, without notice to me, my Personally Identifiable Information (PII) and other Non-Personally Identifiable Information (NII) furnished by me in any application form(s) or related documents executed or furnished by me in relation to the OneCard to subsidiaries/holding company or affiliates of FPL/BFSL, Credit Information bureaus, rating agencies, service providers, vendors, service partners (including any insurance partners) other banks or financial institutions, governmental/ regulatory authorities or third parties for KYC verification , bank account statement verification, credit risk analysis, or for other related purposes that OneCard may deem fit to process my application and/or for continued usage of the OneCard and/ or for any other marketing objectives. I hereby specifically waive the privilege of privacy and privity of contract.
24.9. I further authorize FPL/BFSL and/or its associates/subsidiaries/affiliates to verify from, and disclose to, any information pertaining to me /my office/residence and/or contact my family members and/or my Employer/Banker/Credit Bureau/CIBIL/RBI and/or any third party including but not limited to financial credit bureaus/ regulatory authorities etc. as they deem necessary and/or to do any such verification as they deem necessary. I confirm that I have no insolvency proceedings pending against me nor have I ever been adjudicated insolvent. I understand applicable taxes from time to time will be levied on fees, interest and other charges, as per government guidelines.