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FPL Technologies / Federal Bank (OneCard)
OneCard X (Federal Bank)
RuPay
OneCard X (Federal Bank)
OneCard X is FPL Technologies' RuPay, credit-on-UPI variant aimed at students and new-to-credit users who don't yet qualify for the flagship OneCard, trading a lower credit limit and simpler reward structure for easier approval and the same slick numberless-metal app experience.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- 🛍️ Shopping
3% reward rate
Eligibility
- Minimum credit score: 680
- Employment: salaried, self-employed
- Age: 18–60
Fees & charges
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at ₹400 per calendar month, same schedule as the flagship OneCard
Benefits
- Designed for secured/limited-limit issuance to new-to-credit and student applicants, building credit history with the same OneCard app experience as the flagship card
- RuPay credit-on-UPI enabled, numberless card design managed via the OneCard app
Pros
- + No joining or annual fees
- + Easier approval bar for students and new-to-credit applicants
- + RuPay credit-on-UPI support and the same app-first, numberless card experience as flagship OneCard
Cons
- − Lower credit limits than the standard OneCard
- − Reward rate and redemption options are more limited
- − No lounge access or premium benefits