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Credit Cards · India

OneCard Metal Credit Card

Updated 5 Jul 2026Source-linked

The OneCard Metal Credit Card is a mid credit card from OneCard, with a joining fee of ₹0 + GST.

It earns up to 5 pts per ₹50 (≈1.0% value) on top 2 categories monthly spends in the form of onecard reward points (points).

Cardholders get 4 quarterly domestic airport lounge access.

OneCard
OneCard Metal Credit Card
Visa logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForEveryday spends
  • Reward TypeOneCard Reward Points (points)
Rewards Rate
  • 5 pts per ₹50 on top 2 categories monthly
  • Base 0.20% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
OneCardVisa logosignaturemidLifetime free
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Rewards and Benefits

Rewards Rate
5 pts per ₹50 on top 2 categories monthly
Base 0.20% on other spends.
Reward Redemption
In-app redemption at 1 point = ₹1.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each quarterly on making spends of ₹50,000 in the previous quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • App-first experience — Full card lifecycle (application, limit, PIN, statements, reward redemption, block/unblock) runs inside the OneCard mobile app.
  • Metal body — Premium metal card body on all active OneCards.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹30/mo
  • Groceries₹8,000 · 0.2% = ₹16/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹16/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.2% = ₹20/mo
  • Utilities & bills₹5,000 · 0.2% = ₹10/mo
Est.net rewards for this spend, realistic
₹1,104/yr

₹1,104 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.00%
Interest Rates
2.50% per month (30.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • mid card issued by OneCard.
  • Lifetime free — no joining or annual fee.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (4/quarterly).

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
  • Low forex markup of 1.00% — suited to international spends.
  • Complimentary domestic airport lounge access (4/quarterly).
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 5 pts per ₹50 on top 2 categories monthly
    5x points on your top 2 spend categories each calendar month (auto-selected).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
4 visit(s) / quarterly. Via visa, dreamfolks.
Unlocks after ₹50,000 / quarterly spend.
Lounge access unlocked on ₹50k quarterly spend.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Other benefits

  • App-first experience. Full card lifecycle (application, limit, PIN, statements, reward redemption, block/unblock) runs inside the OneCard mobile app.
  • Metal body. Premium metal card body on all active OneCards.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–65
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.

Co-issued with partner banks; exact underwriting and credit limit depend on the assigned partner.

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