Who writes this, and why
Card Fine Print started as a guide written by a long-time OneCard user, under the name One Card Hub (hence the address, onecardhub.org). It now covers the app-first cards beside it. It is not run by any card company, it takes no money from them, and it will tell you when a card is the wrong choice.
What this site is
Card Fine Print is an independent guide to the fine print of India's app-first credit cards: OneCard (at each issuing bank), Scapia, Jupiter Edge and the super.money superCard, plus the credit landscape around them: CIBIL scores, rewards economics, and how card issuers actually make their money. Every fee in the card databaseis quoted from the issuer's own documents, and there are 26 guides here, all written from scratch.
The reason it exists is simple. The official documentation tells you the rules. It does not tell you that OneCard's 5X rewards work out to about 1% back, that bills stopped earning points on most of its banks in 2026, or that a wallet fee applies to the whole amount once you pass a threshold. Those things are true, they matter, and nobody with a commercial interest in the card has any reason to say them clearly.
Why we publish anonymously
We write critically about a live financial product operated by a real company. We would rather do that freely than manage the consequences of having done it. So there is no byline here, and there will not be one.
We think anonymity is a reasonable trade only if it comes with something in return. What we offer instead of a name:
- Traceable facts.Every fee, rate and rule is checked against a primary source before it goes up: the MITC document, an RBI circular, or the issuer's own terms page. Where a fact comes from user reports rather than documentation, we say so on the page.
- No affiliate links. Not one.We do not earn a rupee if you apply for any card mentioned on this site. There is no “apply now” button anywhere, and there never will be. That is the whole reason we can say the card is bad for you when it is.
- A public corrections log. When we get something wrong, we fix it and we record it, in public, on the editorial policy page. That log is not short.
- A reachable address. hello@onecardhub.org is read by a person. Corrections get answered first.
If you would rather not trust an anonymous source on money, that is a sensible instinct. Check what we say against the sources we cite. We would rather you did.
What we are not
Card Fine Print is not affiliated with any card issuer, card app or bank, including FPL Technologies (OneCard), Scapia, Jupiter and super.money. We are not a bank, a lender, a broker, or a financial adviser. Nothing here is financial advice, and no page on this site can tell you what to do with your own money. Product terms change without notice: verify anything that matters in your card's app or its MITC document before you act on it.
Who this is for
People who already hold one of these cards and hit something confusing: a declined transaction, points that never arrived, a fee they did not expect. And people deciding which card, if any, is worth holding. Both groups are badly served by content written to sell cards.
How we make decisions about coverage
We write about what users actually ask. The questions people put to the site's AI assistant are logged (the question text only, with no identity attached) and the recurring ones become articles. That is how the decline guide, the customer care guide, and the wallet transfer fee article all started.
Full detail on sourcing, labelling and corrections is on the editorial policy page. What we collect and why is on the privacy page.