OneCard Metal Credit Card
The OneCard Metal Credit Card is a lifetime-free metal credit card issued in partnership with Federal Bank, SBM Bank, and IDFC FIRST Bank.
Travel & Lounge Fit Score
94/100
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
1 – 5
Forex Markup
1%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
25/25
Lounge & Perks
6/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
OneCard Metal Credit Card Benefits
OneCard Metal Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 5%
Earn rate
5
Points / ₹100
OneCard Metal Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Things to Keep in Mind
- No domestic/international airport lounge access
Card Features
🎉 Zero Annual Fee — 100% Net Profit
OneCard Metal Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
OneCard Metal Credit Card Eligibility
Employment type
Invite only — You typically need an existing relationship with OneCard (FPL Technologies) to get this card.
Pros & Cons
- Lifetime free — zero joining fee and zero annual fee
- 5X OneCard Reward Points on top 2 spending categories (auto-detected monthly)
- 1X OneCard Reward Points on all other eligible spends
- 1% forex markup — use internationally with zero surcharge
- Metal card — premium feel at zero cost
- Full app-first management — OneCard app for everything
- No lounge access
- App-only — no branch support from OneCard directly
- Issued through partner banks — not a direct bank card
Who is this card for?
App-savvy urban professionals who want a premium metal card experience with zero fees and 0% forex. The auto-5X on top spending categories means maximum rewards without choosing — it adapts to your actual spend pattern each month.
Quick Links
Data last updated 10 Aug 2026
Calculate your exact earnings with OneCard Metal Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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