OneCard: Credit Card & UPI

Manage your credit card and make UPI payments all in one place with OneCard: Credit Card & UPI. Whether you're paying bills, scanning QR codes, or applying for a new credit card, this app puts complete financial control at your fingertips—with zero annual fees and superfast transactions.

Experience lightning-quick payments every time you use UPI. The app is built for speed, eliminating unnecessary steps so you can complete transactions in seconds. Link your RuPay credit card to OneCard UPI and pay by scanning any QR code—secure, effortless, and instant. No more switching between payment methods.

Choose and apply for select credit cards from partner banks and financial institutions directly through the app. The One Credit Card is a premium metal card that combines style with substance. Enjoy lifetime free membership with no annual fees, no joining fees, and no hidden charges. Earn supercharged 5X rewards on your top two spending categories every month, turning everyday purchases into real benefits.

Manage your finances with flexibility and ease. Convert purchases into anytime EMI within the app and choose repayment options that work for your budget. Pay utility bills, mobile recharges, rent, and even school fees directly through the app while earning rewards on every transaction. The 'Around You' feature discovers exclusive offline deals across dining, shopping, fuel, and more—all tailored to your location.

Travel internationally with confidence. Your One Credit Card offers global acceptance and low forex fees on international transactions, making it your ideal companion abroad. Build your credit score even if you don't have a high rating yet—apply for an FD-backed One Credit Card by creating a fixed deposit, opening doors to better credit products in the future.

Instant virtual card activation means you can start using your credit card the same day you apply. Track expenses, set spending limits, and manage everything from one dashboard. With an interest-free period of up to 48 days on purchases, you have breathing room to pay without stress.

Eligible if you're 18 years or older and an Indian resident, with approval based on your credit score and your chosen bank partner's criteria. OneCard: Credit Card & UPI brings premium banking to your phone—metal-crafted, feature-rich, and completely free to use.