# OneCard (India) — App powering One Credit Card > Credit card management, UPI payments, and financial offers with a metal card. (iPhone/iPad app by Fplabs.) - Source: https://appshunter.io/ios/app/onecard-india/id1513897615 (this page in markdown: same URL + `.md`) - Developer: [Fplabs](https://appshunter.io/developer/1462059416) - Category: Finance, Utilities - Price: Free - Rating: 4.68/5 from 189,542 App Store ratings · 20 written reviews indexed - Age rating: 17+ - Requires: iOS 15.1 · 92 MB - Languages: American English - Released: 2020-06-16 - Data updated: 2026-09-05 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/onecard-india/id1513897615/reviews.md ## What is OneCard (India)? With the updated OneCard app, you can now make payments via UPI. The all-new OneCard UPI is here to simplify everyday payments. Here’s what’s new: Superfast payments Experience superfast payments with OneCard. The UPI feature on the app is designed to be snappy, letting you complete transactions effortlessly-no extra steps, no delays, just quick and seamless payments every time. Pay on UPI with credit card Want to use your credit card on UPI? Link your RuPay credit card to OneCard UPI and pay effortlessly by scanning any QR code. Enjoy fast, secure transactions without the hassle. What’s more? The OneCard app also allows you to choose and apply for select credit cards from our partner Banks and financial institutions, giving you complete control over your credit card directly through the app. Get your hands on the metal-crafted One Credit Card, issued by our partner Banks and financial institutions. Here’s what you get: Lifetime free No annual fees. No joining fees. No fuss. It only gets better! Supercharged 5X rewards Unlock 5X rewards on your top two spending categories every month. Anytime EMI Convert your spends into EMI within the app and manage all your EMIs effortlessly with flexible repayment options. Offers around you Dining out, shopping, or fueling up? Use the ‘Around You’ feature to discover exclusive offline offers and deals across stores and categories on your One Credit Card. Global acceptance & low forex fees Enjoy low forex fees on international transactions with your One Credit Card. Accepted worldwide, it’s your ideal travel companion. Mobile recharge Recharge your mobile for all major operators, including Jio, Airtel, and VI, directly through the app without any extra fees. Bill Payments Pay utility bills like electricity, gas, water, DTH, and broadband using your One Credit Card and earn rewards on every spend. You can even pay school fees or tuition fees through the app. Pay rent with your credit card Stay on top of your rent payments. Easily manage rent payments through the app. FD-backed credit card to build your credit score Don’t have a high credit score? Get an FD-backed One Credit Card by creating an FD. This helps build your credit score, making it easier to access credit products in the future. Why choose one credit card? Metal card 16-gram pure metal card - premium feel, sleek design. Lifetime free No hidden fees, no joining fees, and no annual fees ever! Instant virtual card Activate your virtual credit card the same day and start using your One Credit Card instantly. Complete control Track your expenses, set limits, and manage your card effortlessly through the app. Banking Partners & Eligibility Criteria One Credit Card is offered by multiple Banks and financial institutions i.e South Indian Bank (SIB), Federal Bank, BOBCARD, CSB Bank, Indian Bank, and SBM (State Bank of Mauritius). You must be 18+ years old and an Indian resident to be eligible for One Credit Card. The approval is subject to your credit score and the issuing bank partner’s eligibility criteria. Interest & Other Charges Interest-free period - up to 48 days The interest rate on unpaid dues - 3.75% p.m. Over limit charges - 2.5% (min Rs. 500) EMI Processing fee - 1% (min 99) EMI Foreclosure fee - 3% (min 99) To apply, download the OneCard app now and #BeTeamMetal For help email us at help@getonecard.app. Do visit our website to contact us for any queries at https://getonecard.app. Our address: West Bay, S. No. 278 Hissa No. 4/3, Pallod Farm, Phase II, Baner, Pune, MH, IN - 411045. ## Key features - UPI payments with credit card - Apply for credit cards - Track expenses and set limits - Convert spends to EMI - Discover offline offers - Pay rent and bills - Build credit score with FD-backed card ## Recent user reviews (10 of 20) All indexed reviews: https://appshunter.io/ios/app/onecard-india/id1513897615/reviews.md ### 1/5 — For settlement closure *2026-02-18* I took a credit card from OneCard after receiving a call from their team encouraging me to apply. Everything was fine initially. However, after one year, I unfortunately lost my job and was also hospitalized, which made it very difficult for me to manage my payments. Since then, I have been paying only the interest every month, but I am unable to close the card due to my financial situation. I recently contacted OneCard customer care to request a settlement option, explaining my job loss and medical condition. However, I was told that I am not eligible for settlement, without any proper understanding of my situation. What is more concerning is the way I am being treated. The agents are repeatedly pressuring and harassing me to clear the full bill despite clearly explaining my hardship. One agent named Santhosh from Hyderabad has been contacting me through WhatsApp, which makes me question why official communication is not being done through recorded channels. I was also told that if I do not pay immediately, they will call my parents. This kind of threat is completely unacceptable and unprofessional. Is this how customers facing genuine financial difficulties are treated? I am not refusing to pay. I am only requesting understanding and a fair settlement option during a very difficult period in my life. I hope OneCard takes this matter seriously and improves the way it handles customers facing genuine hardship **Developer response:** Hi there! We sincerely regret hearing about your experience. Your feedback truly matters to us, and we would love the opportunity to make this right. Please email us at help@getonecard.app using your registered email ID so we can assist you more effectively. - Yash ### 5/5 — Approved Card, Cannot Reserve - Constant, Blocking "Error in Service *2025-12-20* My card application was approved, which was good news. However, the application is currently unusable because I cannot complete the crucial next step: reserving the approved card. Every single time I try to finalize the reservation process within the app, I immediately receive the same vague and frustrating message: "error in service." This is extremely disappointing. An approval is completely useless if a persistent, unexplained technical error prevents me from actually accessing the service. The development team needs to immediately address this critical flaw. I am not happy and feel the app's stability is not well managed. Please provide a fix or a workaround for this "error in service." **Developer response:** Hi There! We don't want you to feel this way. At OneCard, we always provide our users with a seamless experience. For us to have a better understanding of your concern, please email us at help@getonecard.app from your registered email ID. Once done, share the allotted ticket ID here to assist you further. We'll surely help you out. -Madhu ### 1/5 — Absolutely Horrible and Unprofessional Experience! *2025-04-08* I’ve been trying to update my registered mobile number for over 6 months now, and all I get is frustrating, robotic responses. I clearly mentioned I lost access to my old number, and requested a simple mobile number update. Instead of helping, they keep saying “We tried contacting you” obviously on the old number I told them I no longer have! What kind of logic is that? To make matters worse, they had the audacity to get my uncle’s number somehow, and then called him sharing all my personal loan and EMI details without my consent. This is a serious violation of privacy and data protection laws. What gives them the right to disclose my financial details to him. And then, instead of updating my number or resolving the issue, they send me a generic response: “We can’t help until you clear all your EMIs.” I didn’t ask for account activation or EMI waiver, I just asked to update my mobile number. **Developer response:** Hi Bala! We don't want you to feel this way. At OneCard, we provide a seamless experience. Please elaborate on your concern by mailing us on help@getonecard.app from your registered email ID & once done share the allotted ticket ID here for further assistance. We're just a click away. -Madhu ### 1/5 — Worst Customer care service Ever *2024-07-23* I have took this card after referring to several positive responses from the users, unfortunately I have been facing issues on every month basis, for that we need to raise ticket through email, attaching with live video( One card won’t allow you to record, so you need to literally beg others to record video), then they will come with response. Since more than 2 months I have raised ticket regarding “Around the offers” won’t work at the store cash counters, app will ask you give GPS access, which is already set to full access, the second issue is when you visit the store, and you want select that particular store, it’s simple load like ages, I have submitted the required videos to CC, though I have not get any solution, but every week they will call you and ask you to wait some more weeks🤬. What’s the use to have this so called credit card. It’s my 6 months review, let’s decide yourselves. **Developer response:** Hi Aswani, we apologize for the inconvenience caused. We will never want our users to feel this way and face such issues. We request you to share with us the allotted ticket number with us so we can get this checked for you. We are here to get things sorted for you. Thanks! ### 1/5 — Misleading customers regarding the pre approved one card *2024-07-03* Dear One Score Team, My name is Deepak Dangi, and I am writing to address an issue I've been experiencing with the One Score application. Upon logging into the One Score application, I have repeatedly encountered a notification stating that a pre-approved card is ready for me. However, upon installation of the application, I have found no approved card available. I have checked this several times over the past few months, yet there has been no change. I kindly request that you investigate this matter within your system. It is frustrating and misleading for customers like myself to continually receive notifications regarding a pre-approved card that is not actually available. If your service is unable to provide a One Card to customers, it would be preferable to remove or rectify this notification to avoid wasting customers' time and creating confusion. I seek a proper resolution to this issue from your end. It is important to ensure transparency and accuracy in the notifications displayed within the One Score application. Continually receiving notifications without any follow-through undermines the trust and reliability of your service. I trust that you understand the importance of addressing this matter promptly and providing a satisfactory response. As a valued user of your application, I urge you to rectify this issue to enhance the user experience for all customers. **Developer response:** Hi Deepak! We are here to support you with any concerns. Send an email from your registered email ID with a detailed description of the problem and a screenshot of the app to help@getonecard.app. Kindly share the allotted ticket ID here for necessary assistance. ### 5/5 — Best Credit Card App in the Market *2024-04-13* I have just been inducted into the OneCard family and I am delighted to be a part of it. Honestly, it’s the cleanest and most efficient credit card app in the industry. Even banking apps do not provide such seamless and bug free environment. The UI design is fantastic and the app really stands out when it comes to categorisation and breaking down things which is easy for a lay man. The onboarding process was seamless as well. Best part, you can manage everything from the app without any ads or unwanted menu items or pop ups. Kudos to the entire team for developing this & keep up the great work! One request to the dev team - There should be an option to remove and add new landlords in the rent section. I can’t use it as I have moved houses and can’t add a new landlord. **Developer response:** Hello! We're grateful for your feedback and the kind words you've shared. Please rest assured that we will notify you as soon as there are any updates available regarding the feature you mentioned. If you have any further questions or concerns, feel free to reach out to us. We're here to assist you. Stay tuned! ### 5/5 — Excellent Credit Card Choice *2024-04-12* I recently acquired the One Card, and I must say, it has exceeded my expectations in every aspect. From its generous rewards program to its seamless user experience, this credit card has truly impressed me. First and foremost, the rewards program is exceptional. I appreciate how it offers cashback on a wide range of purchases, allowing me to earn rewards on everyday expenses. The flexibility to redeem these rewards in various ways adds further value to the card. Moreover, the card's benefits extend beyond just rewards. The customer service provided by the Bank of Baroda team has been exceptional. Anytime I've had a question or concern, they have been prompt and helpful in resolving it. The online platform and mobile app are also incredibly user-friendly, making it easy for me to manage my account, track expenses, and make payments on the go. Overall, I wholeheartedly give the One Card a 5-star rating. It's rare to find a credit card that not only meets but exceeds expectations, and this one certainly does. I highly recommend it to anyone in search of a reliable and rewarding credit card option. **Developer response:** Hey there, A standing ovation for your stellar 5-star rating! 👏 Your feedback is our encore, and we're thrilled to have delighted you. Thanks for being part of our applause-worthy community! -Yuki ### 1/5 — The card is scam don’t fall for it *2024-02-18* This credit card and its customer service are utterly disappointing. Initially enticed by a nearby laptop store's offer, I applied for the card due to its seemingly ample credit limit, reflecting my good credit score. However, when I attempted to use it for the laptop purchase, the offer didn't work, despite the advertised credit limit being more than sufficient. Despite numerous attempts and hours spent on customer support, I was informed that I couldn't utilize the card for such purchases for 15 days, with additional undisclosed limitations on the credit limit. Even after this period, the majority of the credit limit remained inaccessible. Furthermore, the card incurs substantial charges for transactions. When I requested to close the card, I was shocked to learn of a mandatory six-month waiting period and extra fees for early closure. This experience reveals a blatant lack of transparency and poor service quality. I strongly advise against falling for this scam and recommend opting for credit cards from reputable banks instead. **Developer response:** Hey Fam, We're sorry to hear that your experience wasn't up to par. Your review is important, and we want to address any issues. Could you please share more details or contact us at help@getonecard.app using your registered email ID. Rest assured we will help you further. -Yuki ### 1/5 — Very bad customer care *2024-01-07* I have got my one card many months ago , after i got my one card , i made a purchase using the card and paid my due on time and out of a sudden i was not able to make any transactions even though i haven’t used my sanctioned limit , after many tries I tried to contact the one card and no one responded after a while they did respond and mentioned that i need to complete my KYC and never stated the proper reason why and i was prepared to submit the asked requirements for completing my KYC , but never got a link or notification telling me where to submit my KYC details and this happened on loop , i raise a quire and every time i do so , they ask me to complete my KYC and never provides me or inform me where to submit and just tells me to wait for the notification , and as i told this happens on a loop , I am so frustrated and exhausted with the One card , and zero support from the One card customer care , i would not recommend One card for anyone **Developer response:** Hey there, We don't want our users to feel this way. Your happiness is our success. We're here to help you, every step of the way. We request you to drop us an email at help@getonecard.app with your registered email ID so that we can help you in a better way. We at Oneworld are awaiting your response. -Yuki ### 1/5 — Invalid charges *2023-08-28* They will charge you without any intimation. In they application they have pre set features which enables overspend or over limit exceeding and then they will charge you without intimating. I noticed when i paid for 274rs and got the msg for spend of 750. They just send you normal msg without mentioning any penalty or anything in the application as they have some hidden features which enables over exceeding of the limit. Which i never enabled. It was by default enable in the app. And for deactivate the card they charge 3000 something just to disable the card. This is absurd frankly. And their customer service is very rude they will directly tell you that you are wrong and you have to pay for everything. Got no solution not even polite conversation. I advise and prefer to go with trustworthy banks Credit Cards. Because these people don’t take any accountability and they’ll charge you anything. I have no idea what else is enable in their application. I have 5 well known bank Credit Cards and they actually have great customer support. With good resolutions. Don’t go for this one card scam. I will never use this stupid card again ever. **Developer response:** Hi there, As already mentioned by you, the over-limit charges are mentioned at the time you activate your virtual OneCard. You can also switch off the same form the app itself any time you wish. Also, all the charges are already clearly mentioned in the MITC of your issuer bank on our website. You may refer to the same. Thanks! - Ahi ## Frequently asked questions about OneCard (India) ### What is the rating of OneCard (India)? OneCard (India) has an excellent rating of 4.7 stars, based on 189,542 user reviews. This indicates a high level of user satisfaction with the app's features and performance. ### How does OneCard (India) handle security for UPI payments? OneCard (India) enables users to pay on UPI using their credit card by linking their RuPay credit card to OneCard UPI. The app is designed for fast, secure transactions, allowing users to scan any QR code for effortless payments without extra steps or delays. ### What are the benefits of the metal-crafted One Credit Card? The metal-crafted One Credit Card offers a premium feel and sleek design. It is lifetime free with no annual or joining fees, provides 5X rewards on top spending categories, and offers anytime EMI conversion with flexible repayment options. ### Can I pay rent using OneCard (India)? Yes, you can pay rent using your OneCard credit card through the app. This feature helps you stay on top of your rent payments and manage them easily within the application. ### What is the age and residency requirement for OneCard (India)? To be eligible for a One Credit Card, you must be 18 years or older and an Indian resident. Approval for the credit card is subject to your credit score. ### Does OneCard (India) offer international transaction benefits? Yes, the One Credit Card offers global acceptance with low foreign exchange fees on international transactions. It is designed to be an ideal travel companion for users making purchases abroad. ### How can I build my credit score with OneCard (India)? OneCard (India) offers an FD-backed credit card option. By creating a Fixed Deposit (FD), you can obtain a credit card that helps build your credit score, potentially making it easier to access other credit products in the future. ### When was OneCard (India) last updated? The latest version of OneCard (India) is 5.05, and it was last updated on May 14, 2026. This indicates a commitment to ongoing development and feature enhancements. ## Version history (last 5 releases) ### 5.23 — 2026-08-24 We’ve fixed key bugs to make signing in faster, simpler, and more reliable. This update also resolves performance issues across the app for a smoother overall experience. ### 5.22 — 2026-08-11 Bug fixes and enhancements ### 5.21 — 2026-08-03 Bug fixes and enhancements ### 5.19 — 2026-07-06 Bug fixes and Enhancements ### 5.12 — 2026-06-23 Our biggest update yet is here, rebuilt from the ground up to be faster, sleeker, and more intuitive. From a stunningly modern redesign to powerful new features and massive performance gains, every detail has been refined to help you access payments more efficiently than ever before. Upgrade now to experience a whole new standard of OneCard. ## More apps by Fplabs - [OneScore: Credit Score App](https://appshunter.io/ios/app/onescore-credit-score-app/id1462059417) - [Wizely: Save in FDs & Gold](https://appshunter.io/ios/app/wizely-save-in-fds-and-gold/id6741104946) All apps by Fplabs: https://appshunter.io/developer/1462059416 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*