Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Federal Bank One Credit Card

    One Card in partnership with Federal Bank has launched the Federal Bank One Credit Card which you can apply for online. This card is a contactless credit card and a mobile-based card which can be operated via the One Card app. The online process is seamless and easy and can be completed in just few steps. Post approval of your application for a credit card, you not only receive a physical credit card, but also a virtual credit card which you can use to make purchases online.

    Features and Benefits of Federal Bank One Credit Card

    • The card is free for lifetime with no annual and joining fee.
    • Metal card with contactless feature.
    • Mobile based credit card as you can take care of your payments using the card on the One Card app.
    • Use the One Card app to manage your credit card virtually.
    • Low forex fees.
    • Get up to 5x reward points on spending on top 2 categories each month.
    • The points can be instantly redeemed
    • There are no minimum fees for redeeming your reward points.
    • On using your card, you can earn fractional points too.
    • View your credit card statement on the One Card app.
    • Pay your credit card bill on the app through payment modes such as UPI, net banking, or debit card.
    • Swipe2Pay facility available making your payments more secure.
    • Use the app to avail customer service facility and get your queries resolved by using channels such as call through app, chatbots, and email.

    Fees and Charges of Federal Bank One Credit Card

    Type of Fee Description of the fee and the fee charged
    Joining fee
    • Joining Fee (Primary cardholder) - Nil
    • Joining fee (Add-on card holder) - Nil
    Annual membership fee
    • Annual Fee (Primary cardholder) - Nil
    • Annual Fee (Add-on cardholder) - Nil
    Re-issuance of card fee
    • Plastic card - Nil
    • 2nd card onwards - Rs.145
    • Metal card - Rs.3,000
    Fee for cancellation of your card If the card is cancelled within 6 months of the activation of the virtual credit card – Rs.3,000
    Cash advance fee ATM withdrawal fee – 2.5% of the amount withdrawn subject to a minimum of Rs.500
    Service charges for transactions
    • Rewards redemption fee - Nil
    • Forex markup fee - 1%
    • Over limit fee - 2.5% of the overlimit amount
    • Interest free period - 48 days
    • Interest rate charged - 2.5% p.m. - 3.5% p.m. or 30% p.a. - 42% p.a.
    • Minimum amount due – 5% of the total amount due subject to a minimum of Rs.100
    Charges in case of default Late payment fee - 2.5% of the total amount due subject to a minimum of Rs.1,000

    One Card Customer Care Service

    In case of any query related to your credit card, you can get in touch with a One Card customer care executive through any of the channels given below:

    • Through the Once Card App.
    • You can call the helpline number 080 4557 5559.
    • You can send your queries to the email ID
    • You can send your query via post to the address:

      FPL Technologies Pvt. Ltd.,

      Disha Bldg, Survey No 127,

      Mahavir Park, Opposite Sarjaa,

      Aundh, Pune 411007

    Grievance Redressal

    You can send your query in case the company doesn’t resolve your issue on time by sending an email to

    If your issue is still unresolved, you can reach out to the lender as per their escalation matrix.

    If your issue is not yet resolved, you can write to the Banking Ombudsman, the details of which you can find on the Reserve Bank of India website.

    How to Apply for Federal Bank One Credit Card

    You can download the One Card app to apply for the Federal Bank Credit Card. You will have to submit the necessary details along with certain documents. Post approval, the virtual card will be activated, while a physical credit card will be sent to your communication address.

    Federal Bank One Credit Card FAQs

    1. Is Federal Bank Once Card credit card a contactless card?

      Yes, this credit card is a contactless card. You will not be required to provide your PIN for amount up to Rs.5,000.

    2. Can I get my mobile number and email ID updated?

      Yes, you can get your mobile number and email ID updated on the One Card app.

    3. What should I do if I lose my card?

      In case you lose your card, you can temporarily deactivate it and reactivate it once you find it. In case you have lost it for good, file an FIR and send a copy to One Card to get a replacement card and get your lost card deactivated for good.

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