OneCard
OneCard Metal Credit Card
Best for lifetime-free, app-driven, rewards
Lifetime free · 5x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
Lifetime free
Reward rate
5x
Min. income
₹3,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹3 lakh/yr · CIBIL 650+
Reward cap
Cap depends on chosen accelerated category each month; app shows per-cycle cap
Welcome benefit
App-driven milestone bonuses (varies); merchant-specific cashback offers via OneCard app
Who is this for
- Fee-averse spender
- Rewards optimiser
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- 2.5% cash-advance fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 2019
Website
www.getonecard.appFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹0 | Not waivable |
| Late payment | ₹500 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Forex markup | Not published | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| SHOPPING | 5.00 | — | 0.50 |
| DINING | 5.00 | — | 0.50 |
| All spends | Up to 5X reward points on top spending categories (app-driven; user can choose accelerated-earn merchants each month) | Cap depends on chosen accelerated category each month; app shows per-cycle cap | 1 RP = ₹0.50 (statement credit / vouchers via OneCard app) |
Benefits
-
Domestic lounge access
Available via partner-bank lounges and Priority Pass on premium Metal tier
-
International lounge access Highlight
Available via Priority Pass on premium Metal tier (subject to bank variant)
-
Milestone benefits Highlight
App-driven milestone bonuses (varies); merchant-specific cashback offers via OneCard app
-
Fuel surcharge waiver
1% fuel surcharge waiver via partner-bank terms (varies by issuing bank)
Eligibility
- Age
- 18–65 years
- Min. income
- ₹3,00,000
- Min. credit score
- 650+
- Employment
- Salaried, self-employed, student
- Documents
- PAN, Aadhaar (eKYC), selfie, video KYC (OneCard app)
OneCard Metal Credit Card is a VISA credit card from OneCard. It is best suited for lifetime-free, app-driven, rewards.
Fees and rewards
- Annual fee: Nil
- Joining fee: Nil
- Rewards: 5X rewards on top spending categories
Eligibility
PAN, Aadhaar (eKYC), selfie, video KYC (OneCard app)
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Step-by-step application guide: Read the OneCard Metal Credit Card apply walkthrough →
Apply for OneCard Metal Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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