CardIntel Canonical Product Family
OneCard Credit Cards
Mobile-first metal credit card co-branded across 6 regulated banking partners.
OneCard is an app-first metal credit card co-branded across multiple regulated banks (Federal Bank, BOBCARD, SBM Bank India, South Indian Bank, Indian Bank, and CSB Bank).
CardIntel Canonical Architecture Note: OneCard (FPL Technologies) is the fintech program manager and co-brand partner. The underlying legal issuer maintains full control over underwriting, credit limits, and MITC.
3 Regulated Issuing-Bank Variants
Jump to Full Variant Comparison
OneCard Metal Credit Card
App-first metal credit card with zero annual fee, 5x reward points on top two monthly spend categories, and an instant FD-backed option.
Annual Fee
₹0 (LTF)
Forex Markup
1.00%
Network
Visa
Rewards
Reward Points
South Indian Bank OneCard Credit Card
Official credit card issued by South Indian Bank. Verified against official MITC filings.
Annual Fee
₹0 (LTF)
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
Indian Bank OneCard Credit Card
Official credit card issued by Indian Bank. Verified against official MITC filings.
Annual Fee
₹0 (LTF)
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
Full Deterministic Variant Comparison
Compare OneCard Variants Across Legal Issuers
Full specification comparison across fees, reward return schedules, airport lounge access, UPI support, and eligibility criteria.
| Specification / Metric | Federal Bank | South Indian Bank | Indian Bank |
|---|---|---|---|
| 1. Product Identity & Network | |||
| Official Product Name | OneCard Metal Credit Card | South Indian Bank OneCard Credit Card | Indian Bank OneCard Credit Card |
| Legal Card Issuer | Federal Bank(BANK) | South Indian Bank(BANK) | Indian Bank(BANK) |
| Payment Network | Visa | Visa | Visa |
| Form Factor | Physical + Virtual | Physical + Virtual | Physical + Virtual |
| 2. Fees & Spend Waivers | |||
| Joining Fee | ₹0 (LTF) | ₹0 (LTF) | ₹0 (LTF) |
| Annual Renewal Fee | ₹0 (Lifetime Free) | ₹0 (Lifetime Free) | ₹0 (Lifetime Free) |
| Renewal Waiver Rule | Lifetime Free (No condition) | Lifetime Free (No condition) | Lifetime Free (No condition) |
| 3. Rewards & Cashback Return | |||
| Reward Currency | Reward Points | Reward Points | Reward Points |
| Base Reward Rate | 1-2% return on retail spends | 1-2% return on retail spends | 1-2% return on retail spends |
| Accelerated Multipliers | Partner merchant tier benefits apply | Partner merchant tier benefits apply | Partner merchant tier benefits apply |
| Monthly Reward Capping | Subject to standard category fair-use caps | Subject to standard category fair-use caps | Subject to standard category fair-use caps |
| 4. Travel, Lounge & Forex | |||
| Forex Markup Fee | 1.00% | 3.50% | 3.50% |
| Domestic Lounge Access | None | None | None |
| International Lounge | Priority Pass standard rates apply | Priority Pass standard rates apply | Priority Pass standard rates apply |
| 5. UPI Payments & Utilities | |||
| RuPay UPI QR Support | Not Available (POS/Online) | Not Available (POS/Online) | Not Available (POS/Online) |
| Fuel Surcharge Waiver | 1% waiver (spends ₹400 – ₹5,000) | 1% waiver (spends ₹400 – ₹5,000) | 1% waiver (spends ₹400 – ₹5,000) |
| 6. Eligibility & Underwriting | |||
| Minimum Monthly Income | ₹25,000 to ₹50,000/month | ₹25,000 to ₹50,000/month | ₹25,000 to ₹50,000/month |
| Recommended CIBIL Score | 720+ | 720+ | 720+ |
| Card Terms & Review | Full Card Specs | Full Card Specs | Full Card Specs |
100% verified against official banking MITC filings and partner regulatory schedules.
Independent CardIntel Scoring & MITC Governance Active