OneCard (India) User Reviews

OneCard (India)
OneCard (India)
FPL Technologies Private Limited

Top reviews

For settlement closure

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
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Response from developer

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

Approved Card, Cannot Reserve - Constant, Blocking "Error in Service

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."
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Response from developer

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

Absolutely Horrible and Unprofessional Experience!

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.
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Response from developer

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

Worst Customer care service Ever

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.
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Response from developer

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!

Misleading customers regarding the pre approved one card

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.
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Response from developer

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.

Best Credit Card App in the Market

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.
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Response from developer

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!

Excellent Credit Card Choice

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.
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Response from developer

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

The card is scam don’t fall for it

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.
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Response from developer

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

Very bad customer care

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
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Response from developer

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


Invalid charges

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.
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Response from developer

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

This Is My 5th Review They have Not Updated Yet

Third Class Application Zero Service I have Downloaded this App And When I Proceed For Formalities There is a process of Video KYC Which Is Too Cheap And Zero Profile Server when I Click On Start Video KYC In The First Day There Was An Server Error Fine I Checked Other day The Same Server Error I Tried Again On Third Day Same Error I Tried To Connect To CC of One Card Were You Will not get any representative On Call There will be only IVR Interacting With you with the Basic Info and You can Access Through IVR for More Info Only When you have a Card No. And No Response From CC No. Then I Tried Connecting On Email I Complaint On Email When I Complaint About These Things I just Received System Generated Email And Then No Response Today Its 2 Week Of me trying to Complete Process Which End Up with Same Server Issue.

Just Think This is Just the start of Process What will Happen When I Open the Ac And Tomm If Any Wrong Transaction will Happen Through my Card Or Loss Of Card How Will these Guyzz Reach Us Will They Provide any Help I Cant Trust This Finance Institute Or Whatever Request You To just be aware Thankyou...!
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Response from developer

Hi Jignesh, we're here to help! Let us know your allotted ticket ID so we can look into this and assist you further. Thanks! - Ahi

Threatening and Misbehaviour

It was first month I’ve started using one card and I need to pay my card bill in the very next month! But unfortunately I’m delayed with my payment with around two weeks due to some financial problems but eventually I’m ready to pay the bill as soon as possible with the interest and charges they have applied as a late payment! But all this company is doing is harassing and irritating with me with 30+ calls a day and continue messages on phone, WhatsApp and email and threatening of sending my cibil to financial institutions so that they can prove me defaulter and threatening me to call my family members and relatives if I’ll not answer them but I’m already replying them on WhatsApp because they are not kind enough on a calls! Then on WhatsApp they were continuously messaging me by putting police officers DP or some strangers Dp looking like Vasooli bhai from Golmaal ! Lol it’s my question why can’t you wait for some time after you’ve already applied 1400 charges? Threatening to send me a legal notice like this is how you treat your customer if they are late by a week or two? It’s clear and harrasment and threatening behaviour by this company! As soon as I’m able to pay the whole amount I’m definitely closing my card for sure!
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Response from developer

Hi there, do not worry as we're always here to help. All you have to do is drop us an email over to help@getonecard.app from your registered mail ID along with your registered mobile number and a screenshot of the error if any so we can get this checked for you right away! - Ahi

Worst card ever in the history of credit cards ever made!

This is practically the worst credit card ever. Been 15 days, and none of my transactions have been successfully made. The amount of transactions doesn’t matter either. This card is just utter waste of time and money. Do not ever get this card. They wouldn’t even let you discontinue the card within 6 months, or else get ready to pay amount for the cancellation. Also, note that the replacement charges for the so called metallic card is Rs. 3000. Yes, you read that right! Most useless card ever, which is not made for the customer. Instead customers are the product for this card. As they claim to learn your transactional behaviours. And they don’t have any manual approval mechanism for your transactions, even when you reach out to them. They will just tell you to wait for the card to start approving your transactions. I know it sounds ironic! But that’s the beauty of this metal. I am done calling this card a card, it’s just a bare useless metal.
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Response from developer

Hi Anurag, in case you chose to close your OneCard within 6 months of activation, you will be charged a closure fee. This is also clearly mentioned on our website under the MITC of your OneCard issuer bank. Would also like to mention here, in case your card is relatively new, higher value transactions and wallet transfers can be considered as fraudulent transactions and hence same is declined. Request you to wait for some time and try transacting with a different merchant with a lower amount. This helps you build your credit profile with us and you shall be able to make higher-value transactions after a few months. Thanks!

Worst OneCard

This people will think that people have so much time to complete KYC for one week. It will take a simple KYC is taking 48 to 72 hours. If we contact after 72 hours again they will say to wait for 72 hours again in the first beginning when I downloaded the app, it was completely fine. I used my money for two times it was fine but when I used it for third time it was declining my payments because of re-KYC. I was trying from seven days but there is no proper response and they are telling now to wait again for 48 to 72 hours if you want to close the OneCard app, I mean to deactivate your account, your money will be getting into account in 10 business working hours I met with an accident. My friend totally got injured. We went to hospital when i used it it is getting declined for just because of re-KYC and these guys telling to complete the KYC, it will take 48to 72 hours there is no proper management. There is no proper customer service There is no proper resolution and moreover the customer care guys will send you the all the script which they have for apologise
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Response from developer

Hi there, we're here to help! Let us know your allotted ticket ID so we can look into this and assist you further. Thanks! - Ahi

Address change option required

Just given 5 star rating to get myself highlighted here so my concern will be addressed properly. While doing process I have given office address instead of current address and after that I was suppose to give address proof so trying to change the address but I’m not getting option for that. Raised many tickets and just got reply saying “ we regret to inform you that as per our internal policies, there is no facility to change your address information “. How can an app doesn’t have option to correct an customer mistake which done unintentionally. On top of this sending me continuous messages about preapproved offer on one card don’t know when your not able to solve my problem, what I can do with your offer. Need ur utmost importance and prior resolution on this but not looking for same reply as above mentioned and don’t say drop a mail which doesn’t worked out anytime till now.
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Response from developer

Hi Raj, would like to mention here that the address once registered cannot be changed as this is a financial product and the registered address will be used for KYC purposes. You can only proceed with the details entered by you at the time of registration and you will have to provide the proof for the same. Request your understanding here. Thanks! - Ahi

Worst App and service

Why am giving 5star means it will show in top of the reviews and am coming to the point am waiting from last 6-7 months to get card and update. I completed full process and I completed physical verification too and the agent said that in two working days you will get update and after that your account will get activated but now it’s 7 months almost no update nothing and my income is good my Cibil Score is ( #790 ⭐️⭐️⭐️⭐️⭐️)Above but still no use and I have written so many mails to customer support and first they responded very well after few days they stopped to respond to my mail very good customer service and very good app to waste our time. Please don’t open an account in this type of amateur company’s because we are sharing our every details please beaware 🙏
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Response from developer

Hey Achyuth, we regret the inconvenience caused. Please let us know more about your concern by writing to us at help@getonecard.app. If in case you have already reached out to us kindly share the allotted ticket id here. - Shri

Don’t sign up worst app ever

They have the worst technical team ever. I’m writing this after using it for 3 months. The only way to contact them is through mail and you get a reply or response only after 48hours. All you have to do is wait and even after 48 hours you don’t get proper response. I have sent around 20 mails in the past 10-15 days. Only because they don’t read completely. Every time you mail them they read only the part they can answer or if they can’t answer they just say “we are forwarding it to concerned team”. The part about refunds. I requested a refund a month back. As per their own terms and condition it should be processed within 7-10 working days. One of their technical team CX specialist asked me to wait for 15-20 working days. I don’t know if they read their own terms and conditions or not. Even after I sent them their own terms, they said thank you for sharing it and ignored it completely. To get the refund I have closed my account even after account closure they still are saying the same the refund is being processed. After 33 days I still hear the same response I got the very first day. About the credit limit. One of the CX specialist said you can’t use the card above the limit within the cycle of one month. I asked about how the cycle works and other details and they never answered any of them. All the payments got rejected saying I used above credit limit even after adding money to the card. I was restricted. Please avoid this app. Go for other apps. Don’t go by the positive reviews. Read the negative ones first.
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Response from developer

Hi there, we're here to help! Let us know your allotted ticket ID so we can look into this and assist you further. Thanks! - Ahi

Cleanest App Ever

This is by far the cleanest banking/credit card app that I have used so far. UI looks so nice and neat. There are so many options which are well segregated and easy to navigate. All the details about your account are available in the app. Coming to the application process, it took a day to fetch my credit score due to technical issues. Next day it was completed. Couple of days later I got an SMS stating that they are not able to provide me the credit card at this point of time:( 2 days later I got an email saying that my card is approved and I can finish the application process. I did it on the app. Physical KYC was completed the next day and digital card was available on the app next day. Credit limit was at par with other credit cards that I have from banks:). Metal card was delivered within 2 days. Card looks premium. Overall a wonderful experience. Hope this continues and the Team working behind gets better and better to ensure best customer experience. Thank you for a hassle free experience.
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Worst credit card

Don’t get lured by the metal credit card and fall for their scam, I thought it was just me, have been charged exorbitant amount of interest just because the refund was issued 4 day’s after the bill was generated, I just saw many people have been charged the same way. The interest they charged for 749 rupees was whopping 137 rupees which is much higher than contrary to what they state in the app as 2.5%, I got to know about the scam when I enquired about this, they say the interest is not just charged on the pending amount ( although it got refunded) but it also includes all the recent purchases you do till your next bill generation date or until you settle the dues, additionally they are going to charge late payment fees as well. No imagine if you make purchase of a big product say for 50,000 rupees and one more recharge for 100 rupees later you decide to return the product, however if the refund takes time and comes after the bill generation, then you are forced to pay the entire credit card bill that includes 50,000 rupees plus 100 for recharge, if you just pay 100 rupees after deducting the refund then you get into the interest scam, now if you reorder the different product for 50k and wait till the next bill generation, you are going to get into hell, the interest they will charge is not just for the previous 50k which they have already got back the money as refund but also the recent purchase which is somewhere around 7,500 to 10,000 I have asked them to close the account immediately and I cleared all the dues including the interest part.
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Response from developer

Hey Raza, we understand your concern and here to assist you. We tried looking for your email/concern lodged at our end but couldn't find it. Please help us with your allotted ticket id here so that we can get back to you at the earliest and guide you further. -Yash

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.
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Response from developer

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