Frequently Asked Questions

OnePaisa is an AI-powered comparison platform for Indian financial products. We show 170+ credit cards, loans, and insurance plans side-by-side — fees, rewards, rates, claim ratios, eligibility, and real-world fit — so you can pick what suits you, not what pays the platform most.

Yes, always. There is no subscription, no paywall, and no cost for any calculation, comparison, or AI recommendation. The platform is funded by affiliate commissions from issuer partners — paid when you apply through our links.

We earn a small commission when you apply for a product through one of our affiliate links. This is disclosed on every product page and our dedicated disclosure page. Critically, commission rates never affect ranking: our AI ranks cards by user fit, not by payout.

Yes. We never sell or share your personal data with third parties. We store only what is needed to return a recommendation — typically just anonymised spending preferences — and you can delete your data by emailing privacy@onepaisa.in.

Open any card page, tap Apply Now, and you'll be routed to the issuer's official application form. Have your PAN, Aadhaar, latest payslip or ITR, and a bank statement ready — most applications complete in 5 – 10 minutes.

Browsing and comparing on OnePaisa does not affect your score. Submitting an application with the issuer triggers a hard enquiry on your credit file (standard for any credit card application anywhere), which can dip your score by a few points for a short period.

Almost every Indian issuer needs four things: PAN card, Aadhaar (for KYC), latest income proof (payslip for salaried, ITR / bank statements for self-employed), and a recent bank statement. Some premium cards also ask for address proof.

Digital-first issuers (like Axis, HDFC, ICICI) decide in 24 – 72 hours and deliver the physical card in 5 – 7 working days. Traditional banks and premium cards can take 7 – 14 days for underwriting.

Yes. Cancellation is entirely between you and the issuing bank — OnePaisa has no involvement post-application. Call the card's customer care number to close the account, ideally after clearing the balance.

Email contact@onepaisa.in with the URL and the correct figure, and we'll fix it within 24 hours. Our editorial desk updates rates daily from issuer sources, but individual products occasionally drift — flagging them helps every other user.

Yes. We compare 49 insurance plans across health, term life, car, bike, and travel from 20+ insurers — including Star Health, HDFC ERGO, ICICI Lombard, LIC, Max Life, and Tata AIG. Every listing shows the IRDAI-published claim settlement ratio so you can pick on facts, not ads.

No. Browse, compare, and use our Insurance Plan Finder without sharing any personal data. Premiums and claim ratios are public information; we never gate them behind a phone number, and we never sell your data to insurers.

No. OnePaisa is a comparison platform, not an insurance provider, broker or agent. We help you compare plans transparently — when you find the right one, you buy directly from the insurer through their own application flow. Our income comes from disclosed affiliate partnerships, never from selling your data.

They cover different risks. Health insurance pays for hospitalization and medical treatment. Term life pays a lump sum to your family if you pass away during the policy term. Motor insurance covers your car or bike against damage, theft and third-party liability — third-party cover is mandatory in India. Most households eventually need all three.

CSR is the percentage of insurance claims an insurer settled in a year, published annually by IRDAI. A 95% CSR means the insurer settled 95 of every 100 claims received. We display CSR on every plan listing — higher generally means a smoother claim experience, but always read policy exclusions too.