OneCard is an entry-level credit card issued by a Pune-based start-up FPL Technologies. This is a credit card that is on the VISA Signature platform and has IDFC First Bank as the banking partner. The card comes with VISA payWave for contactless payments.  OneCard is a metal credit card and can be yours at no cost initially or annually. Yes, you heard that right. This card is a free card with no issuance or annual fees. The company claims that this is a card focused on the users who make a lot of transactions online and offers complete app-based card control to the users.  Why this card? This is currently the only entry-level credit card that comes at no cost to the user and also has a metal form factor at the time of issuance. If you are new to credit, this is one of the good places to start with and build your credit score and history over time.  No joining fees and no annual fees makes owning this card a breeze as you can have this as a secondary card or not worry about meeting t