OneCard
Visa
OneCard
OneCard (FPL/BoB) · Visa
Quick answer
OneCard by OneCard (FPL/BoB) has an annual fee of zero (lifetime free) and APR of 45%. Best for no-annual-fee and first-card. Pay the full bill every month — carried balances cost far more than any reward.
Opens the issuer's site. MoneyRadar has no paid placement here.
Joining fee
Free
Annual fee
Free
Forex markup
1%
APR
45%/yr
Fee waiver: Lifetime free
What you earn
- 1%Up to 5X reward points on top 2 spend categories each month
Lounge access
No domestic lounge access
Who it's for
Minimum income ₹25,000/month · credit score 720+. For salaried, self-employed.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
What's great
- Metal card, fully app-controlled
- Low 1% forex markup
- Auto-boosts your top categories
Watch out for
- Rewards modest overall
- App-only support
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 45% a year, carried balances cost far more than any reward here is worth.