All credit cardsRates verified 15 Jun 2026Apply on OneCard (FPL/BoB)
OneCard (FPL/BoB)
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 30%. Best for no-annual-fee and first-card. Pay the full bill every month — carried balances cost far more than any reward.
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Joining fee
Free
Annual fee
Free
Forex markup
1%
APR
30%/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.
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 30% a year, carried balances cost far more than any reward here is worth.