Who writes this, and why
OneCard Hub is written by one long-time OneCard user. It is not run by FPL Technologies, it takes no money from them, and it will tell you when the card is the wrong choice.
What this site is
OneCard Hub is an independent guide to the OneCard credit card, plus the Indian credit landscape around it: CIBIL scores, rewards economics, and how card issuers actually make their money. There are 22 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 5X rewards work out to about 1% back, that fuel spends earn no points at all, or that closing the card costs money. 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 an official OneCard communication. 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
OneCard Hub is not affiliated with FPL Technologies Pvt. Ltd. or OneCard in any way. 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 at getonecard.appor in your card's MITC document before you act on it.
Who this is for
People who already hold a OneCard and hit something confusing: a declined transaction, points that never arrived, a fee they did not expect. And people deciding whether the card is worth holding at all. 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.