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Guide

How to Apply for the OneCard Metal Credit Card in 2026

Darshil Chauhan's profile photo Darshil Chauhan
4 min read
Reviewed by Jay Dodiya Last reviewed 5 September 2026 Data verified 5 September 2026

The OneCard Metal Credit Card is a mobile-first, lifetime-free card issued in partnership with IDFC FIRST Bank. It is the only metal card in India with no annual fee. The card offers 5X rewards on your top spend category, 1X on all other spends, and 1% fuel surcharge waiver. The application is fully mobile via the OneCard app.

Why this matters

OneCard Metal is the only metal card in India with no annual fee. The 5X on your top spend category is unique — the card auto-detects your top category and applies the multiplier. The mobile-only application process takes 5 minutes and the card is delivered in 5 days.

How to Apply for the OneCard Metal Credit Card in 2026

How to apply Total time: 5 min · You’ll need: OneCard app, PAN, Aadhaar, mobile, address proof

Apply for the OneCard Metal Credit Card with 5X rewards on top spend categories. Eligibility, benefits, and the mobile-only application process.

  1. Download the OneCard app — Download the OneCard app from the App Store or Google Play. Sign up with your mobile number and email.
  2. Check eligibility in the app — The app shows a 1-click eligibility check. You must be 18–70 years old, a resident Indian, with a minimum monthly income of ₹15,000. CIBIL score of 700+ is preferred.
  3. Complete Aadhaar and PAN eKYC — Enter your Aadhaar and PAN. Authorize Aadhaar OTP eKYC. The app auto-fills your name, address, and date of birth from UIDAI.
  4. Complete video KYC — The app connects to a OneCard KYC agent over a video call. Show your PAN, Aadhaar, and address proof. The agent verifies your identity in 2 minutes.
  5. Set the credit limit — The app shows a pre-approved credit limit. Accept it or set a lower limit. The minimum limit is ₹10,000, the maximum is ₹5 lakh for high-CIBIL profiles.
  6. E-sign the application — Review the terms and conditions, e-sign the application using Aadhaar OTP, and submit. The 12-digit application reference is shown.
  7. Get instant approval and virtual card — Approval is instant for pre-qualified customers. A virtual card number is generated immediately and added to your OneCard wallet.
  8. Receive the physical metal card — The physical metal card is delivered within 5–7 days. Activate it via the OneCard app. Use the virtual card for online purchases while waiting for the physical card.

Common mistakes to avoid

OneCard is mobile-only — there is no website or branch application. The 5X on top category is capped at 1,000 points per month. The card is only available in India, and NRIs cannot apply for the domestic variant.

Pro tips

  • Use the OneCard app to track your top spend category and 5X multiplier
  • Track the 1,000 points/month cap in the app
  • Use the virtual card for online purchases while waiting for the physical card
  • Pair with IDFC FIRST Wealth for high-value spends

Frequently asked questions

Is OneCard Metal lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

How is the top spend category determined?

The card auto-detects your top spend category based on the last 3 months’ spending. The category can change monthly. The current category is shown in the app.

Can I apply without a mobile app?

No. OneCard is mobile-only. There is no website or branch application.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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