OneCard Statement (18 Nov 2023 - 17 Dec 2023)

SUMMARY STATEMENT ILLUSTRATION (Rupees)

Full Name Opening Balance (as on 18 Nov 2023) 45,388.58

Siddhant Agarwal
Spends (in Dec) + 1,901.57
OneCard Number
4712-27XX-XXXX-0849 Interest Charges (including taxes) + 3,156.72

Statement Date Fees & Charges (including taxes) + 0.00

18 Dec 2023
Repayments & Refunds - 2,290.58
Payment Due Date
04 Jan 2024 New EMI - 0.00

Total Amount Due Paid via points - 0.00

48,156.29

Minimum Amount Due

2,407.81 Total Amount Due 48,156.29
If the Total Amount Due is not paid by the Payment Due Date, =
interest will be charged on the unpaid amount.

Minimum Amount Due 2,407.81

TRANSACTION HISTORY

Reward
Date Merchant Name Txn Type Amount (Rs.)
Points

03 Dec Paid Via Upi Repayments 2,286.01

03 Dec Mehakepunjab Retreat Food & Dining POS 24 Paraganas 18.80 940.00

03 Dec Mehakepunjab Retreat Food & Dining POS 24 Paraganas 10.00 500.00

04 Dec Mira Service Station Fuel POS 24 Parganas N 9.23 461.57

 Reward
Date Merchant Name Txn Type Amount (Rs.)
Points

06 Dec Mira Service Station Fuel POS 4.57

Onecard Billed Interest

17 Dec GST @ 18% = Rs.481.54
Fees & Charges 3,156.72

IMPORTANT INFORMATION

In case you pay only the Minimum Amount Due or any amount lesser than Total Amount Due, interest will be
charged on a daily basis on the unpaid amount. Any fresh purchases made by you will be added to the previous
outstanding balance, on which interest will be applicable. Always try to pay the total amount due to avoid interest
and late payment fees. Making only the minimum payment every month would result in the repayment
stretching over months/years with consequential compounded interest payment on your outstanding
balance

To improve the functionality and stability of the Indian financial system, the Government of India and Reserve
Bank of India (RBI) asked all banks and financial institutions to share consumer data with Credit Information
Companies (CICs). Based on this data, these companies, or credit bureaus, generate a credit score and a credit
report for each borrower, which is shared with banks and financial institutions as well as the borrower.

In case your OneCard is lost, stolen, misplaced, or if the credit card PIN has been compromised, report this
immediately from the OneCard App or via phone on 1800-210-9111 or email us on [email protected] .

If your OneCard is misplaced, you can lock the card temporarily from the OneCard App.

If you are unable to make payments for some reason, please email us on [email protected] or call on 1800-
210-9111 so our Customer Experience Team can assist in resolving the issue.

Sample Illustration of Interest Calculations (dues not paid in full)

The interest rate on unpaid dues is charged at 41.88% per annum, or 3.49% per month.
Purchase: Rs.10,000 on January 15, 2021
Statement Date: February 01, 2021
Total Amount Due: Rs.10,000
Payment Due Date: February 18, 2021
Payment Done: Rs.500 on February 10, 2021
No other transactions in February.

The interest will be charged basis of below formula :

((Number of days X Entire outstanding amount X (Interest rate per month x 12 months)) / 365 days.
 OneCard Statement (18 Dec 2023 - 17 Jan 2024)

SUMMARY STATEMENT ILLUSTRATION (Rupees)

Full Name Opening Balance (as on 18 Dec 2023) 48,156.29

Siddhant Agarwal
Spends (in Jan) + 0.00
OneCard Number
4712-27XX-XXXX-0849 Interest Charges (including taxes) + 1,885.73

Statement Date Fees & Charges (including taxes) + 0.00

18 Jan 2024
Repayments & Refunds - 2,407.81
Payment Due Date
04 Feb 2024 New EMI - 0.00

Total Amount Due Paid via points - 0.00

47,634.21

Minimum Amount Due

2,381.71 Total Amount Due 47,634.21
If the Total Amount Due is not paid by the Payment Due Date, =
interest will be charged on the unpaid amount.

Minimum Amount Due 2,381.71

TRANSACTION HISTORY

Reward
Date Merchant Name Txn Type Amount (Rs.)
Points

03 Jan Paid Via Upi Repayments 2,407.81

Onecard Billed Interest

17 Jan GST @ 18% = Rs.287.66
Fees & Charges 1,885.73

IMPORTANT INFORMATION
 OneCard Statement (18 Jan 2024 - 17 Feb 2024)

SUMMARY STATEMENT ILLUSTRATION (Rupees)

Full Name Opening Balance (as on 18 Jan 2024) 47,634.21

Siddhant Agarwal
Spends (in Feb) + 0.00
OneCard Number
4712-27XX-XXXX-0849 Interest Charges (including taxes) + 1,883.56

Statement Date Fees & Charges (including taxes) + 1,652.00

18 Feb 2024
Repayments & Refunds - 758.48
Payment Due Date
Immediate New EMI - 0.00

Total Amount Due Paid via points - 0.00

50,411.29

Minimum Amount Due

4,062.63 Total Amount Due 50,411.29
If the Total Amount Due is not paid by the Payment Due Date, =
interest will be charged on the unpaid amount.

Minimum Amount Due 4,062.63

TRANSACTION HISTORY

Transaction Reward
Date Merchant Name Amount (Rs.)
Type Points

18 Jan Paid Via Debit Card Repayments 748.47

18 Jan Paid Via Debit Card Repayments 10.01

Overlimit Charges
18 Jan Overlimit Fee = Rs.400.00 Fees & Charges 472.00
GST @ 18% = Rs.72.00

Late Payment Charges

08 Feb GST @ 18% = Rs.180.00 Fees & Charges 1,180.00

Onecard Billed Interest

17 Feb GST @ 18% = Rs.287.32
Fees & Charges 1,883.56

IMPORTANT INFORMATION

In case you pay only the Minimum Amount Due or any amount lesser than Total Amount Due, interest will be
charged on a daily basis on the unpaid amount. Any fresh purchases made by you will be added to the previous
outstanding balance, on which interest will be applicable. Always try to pay the total amount due to avoid interest
and late payment fees. Making only the minimum payment every month would result in the repayment
stretching over months/years with consequential compounded interest payment on your outstanding
balance

To improve the functionality and stability of the Indian financial system, the Government of India and Reserve
Bank of India (RBI) asked all banks and financial institutions to share consumer data with Credit Information
Companies (CICs). Based on this data, these companies, or credit bureaus, generate a credit score and a credit
report for each borrower, which is shared with banks and financial institutions as well as the borrower.

In case your OneCard is lost, stolen, misplaced, or if the credit card PIN has been compromised, report this
immediately from the OneCard App or via phone on 1800-210-9111 or email us on [email protected] .

If your OneCard is misplaced, you can lock the card temporarily from the OneCard App.

If you are unable to make payments for some reason, please email us on [email protected] or call on 1800-
210-9111 so our Customer Experience Team can assist in resolving the issue.

Sample Illustration of Interest Calculations (dues not paid in full)

The interest rate on unpaid dues is charged at 41.88% per annum, or 3.49% per month.
Purchase: Rs.10,000 on January 15, 2021
Statement Date: February 01, 2021
Total Amount Due: Rs.10,000
Payment Due Date: February 18, 2021
Payment Done: Rs.500 on February 10, 2021
No other transactions in February.

The interest will be charged basis of below formula :

((Number of days X Entire outstanding amount X (Interest rate per month x 12 months)) / 365 days.
 OneCard Statement (18 Feb 2024 - 17 Mar 2024)

SUMMARY STATEMENT ILLUSTRATION (Rupees)

Full Name Opening Balance (as on 18 Feb 2024) 50,411.29

Siddhant Agarwal
Spends (in Mar) + 0.00
OneCard Number
4712-27XX-XXXX-0849 Interest Charges (including taxes) + 1,762.03

Statement Date Fees & Charges (including taxes) + 1,888.00

18 Mar 2024
Repayments & Refunds - 1,650.00
Payment Due Date
Immediate New EMI - 0.00

Total Amount Due Paid via points - 0.00

52,411.32

Minimum Amount Due

4,912.56 Total Amount Due 52,411.32
If the Total Amount Due is not paid by the Payment Due Date, =
interest will be charged on the unpaid amount.

Minimum Amount Due 4,912.56

TRANSACTION HISTORY

Transaction Reward
Date Merchant Name Amount (Rs.)
Type Points

Overlimit Charges
18 Feb Overlimit Fee = Rs.400.00 Fees & Charges 472.00
GST @ 18% = Rs.72.00

Late Payment Charges

10 Mar GST @ 18% = Rs.216.00
Fees & Charges 1,416.00

15 Mar Paid Via Bank Transfer Repayments 1,650.00

Onecard Billed Interest

17 Mar GST @ 18% = Rs.268.78 Fees & Charges 1,762.03

IMPORTANT INFORMATION

In case you pay only the Minimum Amount Due or any amount lesser than Total Amount Due, interest will be
charged on a daily basis on the unpaid amount. Any fresh purchases made by you will be added to the previous
outstanding balance, on which interest will be applicable. Always try to pay the total amount due to avoid interest
and late payment fees. Making only the minimum payment every month would result in the repayment
stretching over months/years with consequential compounded interest payment on your outstanding
balance

To improve the functionality and stability of the Indian financial system, the Government of India and Reserve
Bank of India (RBI) asked all banks and financial institutions to share consumer data with Credit Information
Companies (CICs). Based on this data, these companies, or credit bureaus, generate a credit score and a credit
report for each borrower, which is shared with banks and financial institutions as well as the borrower.

In case your OneCard is lost, stolen, misplaced, or if the credit card PIN has been compromised, report this
immediately from the OneCard App or via phone on 1800-210-9111 or email us on [email protected] .

If your OneCard is misplaced, you can lock the card temporarily from the OneCard App.

If you are unable to make payments for some reason, please email us on [email protected] or call on 1800-
210-9111 so our Customer Experience Team can assist in resolving the issue.

Sample Illustration of Interest Calculations (dues not paid in full)

The interest rate on unpaid dues is charged at 41.88% per annum, or 3.49% per month.
Purchase: Rs.10,000 on January 15, 2021
Statement Date: February 01, 2021
Total Amount Due: Rs.10,000
Payment Due Date: February 18, 2021
Payment Done: Rs.500 on February 10, 2021
No other transactions in February.

The interest will be charged basis of below formula :

((Number of days X Entire outstanding amount X (Interest rate per month x 12 months)) / 365 days.
 One Credit Card Statement (18 Mar 2024 - 17 Apr 2024)

SUMMARY STATEMENT ILLUSTRATION (Rupees)

Full Name Opening Balance (as on 18 Mar 2024) 52,411.32

Siddhant Agarwal
Spends (in Apr) + 0.00
One Credit Card Number
4712-27XX-XXXX-0849 Interest Charges (including taxes) + 1,883.56

Statement Date Fees & Charges (including taxes) + 1,416.00

18 Apr 2024
Repayments & Refunds - 0.00
Payment Due Date
Immediate New EMI - 0.00

Total Amount Due Paid via points - 0.00

55,710.88

Minimum Amount Due

7,452.48 Total Amount Due 55,710.88
If the Total Amount Due is not paid by the Payment Due Date, =
interest will be charged on the unpaid amount.

Minimum Amount Due 7,452.48

TRANSACTION HISTORY

Transaction Reward
Date Merchant Name Amount (Rs.)
Type Points

Late Payment Charges

08 Apr GST @ 18% = Rs.216.00
Fees & Charges 1,416.00

Onecard Billed Interest

17 Apr GST @ 18% = Rs.287.32
Fees & Charges 1,883.56

IMPORTANT INFORMATION
 OneCard Statement (18 Oct 2023 - 17 Nov 2023)

SUMMARY STATEMENT ILLUSTRATION (Rupees)

Full Name Opening Balance (as on 18 Oct 2023) 818.99

Siddhant Agarwal
Spends (in Nov) + 45,181.49
OneCard Number
4712-27XX-XXXX-0849 Interest Charges (including taxes) + 0.00

Statement Date Fees & Charges (including taxes) + 472.00

18 Nov 2023
Repayments & Refunds - 983.90
Payment Due Date
05 Dec 2023 New EMI - 0.00

Total Amount Due Paid via points - 100.00

45,388.58

Minimum Amount Due

2,286.01 Total Amount Due 45,388.58
If the Total Amount Due is not paid by the Payment Due Date, =
interest will be charged on the unpaid amount.

Minimum Amount Due 2,286.01

TRANSACTION HISTORY

Reward
Date Merchant Name Txn Type Amount (Rs.)
Points

19 Oct Salt Lake Service Stat Fuel POS Kolkata 73.05 3,652.60

20 Oct Salt Lake Service Stat Fuel POS Kolkata 72.44 3,622.24

20 Oct P792 Ph Axis Mall Kolk Food & Dining POS Kolkata 14.45 722.40

20 Oct Salt Lake Service Stat Fuel POS 42.60

 Reward
Date Merchant Name Txn Type Amount (Rs.)
Points

20 Oct F3 Foodart Llp Food & Dining POS Kolkata 6.58 329.00

21 Oct Salt Lake Service Stat Fuel POS 42.24

22 Oct S P P L Hotels Private Travel POS Kolkata 91.48 4,574.08

26 Oct S P P L Hotels Private Travel POS Kolkata 89.35 4,467.68

27 Oct Champian Hub Fuel POS 24 Parganas N 72.85 3,642.48

28 Oct Champian Hub Fuel POS 42.48

28 Oct Udayachaltouristlodge Other POS Kolkata 38.00 1,900.00

28 Oct Aayash Hotel Pvt Ltd Travel POS Kolkata 8.00 400.00

29 Oct Mehakepunjab Retreat Food & Dining POS 24 Paraganas 16.20 810.00

29 Oct Mehakepunjab Retreat Food & Dining POS 24 Paraganas 16.20 810.00

29 Oct S P P L Hotels Private Travel POS Kolkata 91.48 4,574.08

29 Oct Msw*mehak E Punjab Retr Food & Dining POS Kolkata 16.20 810.00

30 Oct Udayachaltouristlodge Other POS Kolkata 37.60 1,880.00

30 Oct B.n. Enterprises Food & Dining POS Kolkata 5.00 250.00

30 Oct Msw*mehak E Punjab Retr Food & Dining POS Kolkata 8.00 400.00

31 Oct Msw*mehak E Punjab Retr Food & Dining POS Kolkata 8.10 405.00
31 Oct Mehakepunjab Retreat Food & Dining POS 24 Paraganas 990.00
19.80

31 Oct Msw*mehak E Punjab Retr Food & Dining POS Kolkata 6.90 345.00

01 Nov Msw*mehak E Punjab Retr Food & Dining POS Kolkata 19.80 990.00

01 Nov Msw*mehak E Punjab Retr Food & Dining POS Kolkata 11.00 550.00

01 Nov P792 Ph Axis Mall Kolk Food & Dining POS Kolkata 3.13 156.45

01 Nov Msw*mehak E Punjab Retr Food & Dining POS Kolkata 10.00 500.00

02 Nov Msw*mehak E Punjab Retr Food & Dining POS Kolkata 19.80 990.00

02 Nov Msw*mehak E Punjab Retr Food & Dining POS Kolkata 29.60 1,480.00

03 Nov Salt Lake Service Stat Fuel POS Kolkata 62.73 3,136.58

03 Nov KFC Food & Dining POS Kolkata 7.75 387.45

03 Nov P792 Ph Axis Mall Kolk Food & Dining POS Kolkata 3.13 156.45

03 Nov Paid Via Debit Card Repayments 820.00

03 Nov Msw*mehak E Punjab Retr Food & Dining POS Kolkata 16.20 810.00

03 Nov Msw*mehak E Punjab Retr Food & Dining POS Kolkata 9.00 450.00

Mehakepunjab Retreat
04 Nov Overlimit FeeRs.400.00 Food & Dining POS 24 Paraganas 19.80 1,462.00
GST @ 18% = Rs.72.00

05 Nov Salt Lake Service Stat Fuel POS 36.58

 Reward
Date Merchant Name Txn Type Amount (Rs.)
Points

07 Nov Paid With Points -1000.00 100.00

IMPORTANT INFORMATION

In case you pay only the Minimum Amount Due or any amount lesser than Total Amount Due, interest will be
charged on a daily basis on the unpaid amount. Any fresh purchases made by you will be added to the previous
outstanding balance, on which interest will be applicable. Always try to pay the total amount due to avoid interest
and late payment fees. Making only the minimum payment every month would result in the repayment
stretching over months/years with consequential compounded interest payment on your outstanding
balance

To improve the functionality and stability of the Indian financial system, the Government of India and Reserve
Bank of India (RBI) asked all banks and financial institutions to share consumer data with Credit Information
Companies (CICs). Based on this data, these companies, or credit bureaus, generate a credit score and a credit
report for each borrower, which is shared with banks and financial institutions as well as the borrower.

In case your OneCard is lost, stolen, misplaced, or if the credit card PIN has been compromised, report this
immediately from the OneCard App or via phone on 1800-210-9111 or email us on [email protected] .

If your OneCard is misplaced, you can lock the card temporarily from the OneCard App.

If you are unable to make payments for some reason, please email us on [email protected] or call on 1800-
210-9111 so our Customer Experience Team can assist in resolving the issue.

Sample Illustration of Interest Calculations (dues not paid in full)

The interest rate on unpaid dues is charged at 41.88% per annum, or 3.49% per month.
Purchase: Rs.10,000 on January 15, 2021
Statement Date: February 01, 2021
Total Amount Due: Rs.10,000
Payment Due Date: February 18, 2021
Payment Done: Rs.500 on February 10, 2021
No other transactions in February.

The interest will be charged basis of below formula :

((Number of days X Entire outstanding amount X (Interest rate per month x 12 months)) / 365 days.
 Private and Confidential

Date: 27-04-2024

Cardmember: Siddhant Agarwal

Subject: Settlement of dues pertaining to your OneCard credit card

471227XXXXXXXX0849 issued with BOBCARD

Kind Attn: Siddhant Agarwal,

As per your discussion with One Card Representative on 27-04-2024, you had
acknowledged that as per your last statement, an amount of 55710.87
(Rupees Fifty Five Thousands Seven Hundred Ten And Paise Eighty
Seven Only) is due and payable. You had also informed us that you are
unable to repay these dues on account of financial issues and hence,
requested us to consider settle the dues for a lower amount than that
mentioned in the statement.

As an exception, we have considered your request and have agreed to settle

your dues at 28000.0 (Rupees Twenty Eight Thousands Only). This
settlement amount must be paid by you as 1 installment(s) from your OneCard
app.
Below is your payment schedule

Sr No Date Amount
1 2024-04-30 28000
This settlement is being granted on your assurance to comply with below terms
as an exceptional case and is valid only till 17-05-2024. Your OneCard account
will be closed only after the agreed settlement amount is received by us
withinthe agreed timeframe.

We have enclosed an annexure with important terms for your reference. This
communication is in reference to your OneCard credit card
471227XXXXXXXX0849 issued with BOBCARD only and supersedes all
previous offers made on this account. This settlement is being offered to you
solely at your request and as per your financial circumstances. Please
maintain the confidentiality of this letter, or else it will be withdrawn. Kindly sign
the attached copy of this letter as a token of your acceptance of the above
terms

In case of any queries, you can call us on Repayments 9988871111 or reach

out to us here .

Sincerely,
Team OneCard

Received, Accepted and Signed by Siddhant Agarwal on his own will,

free consent, and volition.

Date: 27-04-2024

Annexure

Terms:
1. Legal cases/complaints: Any legal proceedings or complaints initiated or lodged by you or

on your behalf against the company and/or its employees, officials and representatives

shall be withdrawn unconditionally with immediate effect from the date of this settlement

letter.

2. Credit bureau records: As per an initiative of the Government of India and the Reserve

Bank of India, your credit history is provided by us to credit bureaus on a regular basis.

Once you pay the settlement amount, this account status will be updated as “Settled” with

NIL outstanding in bureau records as per the provisions of the Credit. Information

Companies Regulation Act 2005, within 30 days from the date your payment is received.

3. Default in payment: In case of any default from your side towards payment of this

settlement amount, this settlement offer shall stand null, void and withdrawn, along with

any concessions granted. In such circumstances, you are liable to pay the entire

outstanding amount immediately as per the statement of account. We take appropriate

measures to recover the entire outstanding dues by initiating both civil and criminal

proceedings as per the terms and conditions of this settlement as well as the OneCard

terms.

FPL Technologies Pvt. Ltd.

SN127, Mahavir Park Society,
Website : www.getonecard.app
Opposite Sarjaa Hotel,
Aundh, Pune - 411007.

* This is computer generated letter and does not require signature.

 Balance (Rs) Period No. Of Days Calculation Interest (Rs)

Rs.10,000 15-31 Jan 17 (17 x 10,0000 x (3.49/100 x 12))/365 195.06

Rs.10,000 01-09 Feb 9 (9 x 10,0000 x (3.49/100 x 12))/365 103.27

Rs.9,500 10-28 Feb 19 (19 x 9,500 x (3.49/100 x 12))/365 207.11

Interest Charged 505.43

Goods and Services Tax (GST) at the prevailing rate (currently 18%) will be levied on this interest charged, which
is Rs.90.98 (18% of Interest Charged) .

This will be added to the outstanding amount so in your next statement, the Total Amount Due will be Rs.
10,096.41 (Rs.9,500 + Rs.505.43 + Rs.90.98)

Click here to read the Most Important Terms and Conditions (MITC) in detail.

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