OneCard Metal Credit Card
Updated on September 1, 2026
🎖️Reward Rate
Top 2 Categories: 5X reward points on your top 2 spend categories each month
Overview
The OneCard Metal Credit Card is a lifetime-free metal card that gives 5X reward points on your top 2 spend categories each month.
Rewards
Reward Type
Reward Points
Reward Rate
- • Top 2 Categories: 5X reward points on your top 2 spend categories each month
- • Other Spends: 1 reward point per ₹50
- • Exclusions: No points on fuel, wallet loads, cash, rent or government
Redemption
OneCard App: Redeem points against transactions in the app at 10 points = ₹1, with no redemption fee
Benefits
- Metal Card: Metal credit card
- Fuel Surcharge Waiver: 1% on ₹400 to ₹4,000, up to ₹400 a month
- App Controls: Lock the card, set limits and manage international use in the app
Things to Know Before you apply
OneCard Metal Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 1% |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹300) |
Fee waiver: Lifetime free. No joining or annual fee.
PaisaSimple Review
Overall Rating
3.6/5What do we like about this card?
Rated 3.6 out of 5. The OneCard Metal Credit Card scores well for no fees, a 1% forex markup, 5X points on your top 2 categories each month and simple in-app redemption with no fee. It loses marks because the base rate is 1 point per ₹50 worth ₹0.10, which is about 0.2% back, and there is no lounge access.
Pros
- • No Fees: Lifetime free
- • Auto Bonus: 5X on your top 2 categories
- • No Expiry: Points never expire
- • App Controls: Full control in the app
Cons
- • App Only: Redemption and controls are app-based
- • Many Exclusions: No points on fuel, rent and wallets
- • Partner Banks: Terms depend on the issuing partner bank
Frequently Asked Questions
What is the joining and annual fee of the OneCard Metal Credit Card?
The card is lifetime free, with no joining fee and no annual fee.
What rewards does the OneCard Metal Credit Card give?
Top 2 Categories: 5X reward points on your top 2 spend categories each month. Other Spends: 1 reward point per ₹50. Exclusions: No points on fuel, wallet loads, cash, rent or government.
How do I redeem the rewards on the OneCard Metal Credit Card?
OneCard App: Redeem points against transactions in the app at 10 points = ₹1, with no redemption fee.
Does the OneCard Metal Credit Card give airport lounge access?
Airport lounge access is not part of this card's listed benefits.
What is the forex markup on the OneCard Metal Credit Card?
The forex markup is 1% of the amount spent in a foreign currency.
Who can apply for the OneCard Metal Credit Card?
Applicants should be 21 to 60 years old. Open to salaried and self-employed individuals. You must be a resident Indian.
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- • Top 2 Categories: 5X reward points on your top 2 spend categories each month
- • Other Spends: 1 reward point per ₹50
- • Exclusions: No points on fuel, wallet loads, cash, rent or government
- • Scan and Pay UPI: 1.5% cashback on merchant UPI payments
- • Online Spends: 0.5% cashback
- • Exclusions: No cashback on person-to-person transfers, wallet loads, fuel, cash, rent or government
- • 10X Reward Points: Add-on feature for ₹299 for 3 months on all spends
- • 5X Reward Points: Add-on feature for ₹199 for 3 months on all spends
- • Cashback: Optional cashback features on groceries, apparel and more
- • No Fees: Lifetime free
- • Auto Bonus: 5X on your top 2 categories
- • No Expiry: Points never expire
- • App Controls: Full control in the app
- • No Fees: Lifetime free
- • UPI Cashback: On merchant scan-and-pay
- • Digital: Fully digital card
- • Bank Credit: Cashback goes to your bank account
- • Lifetime free — no joining or annual fee
- • Fully customisable feature packs starting at ₹49/quarter
- • Card liability and credit shield cover up to ₹1.5 Lakh each
- • Flexible OTT subscription add-ons
- • App Only: Redemption and controls are app-based
- • Many Exclusions: No points on fuel, rent and wallets
- • Partner Banks: Terms depend on the issuing partner bank
- • UPI Focus: Lower cashback on non-UPI spends
- • Partner Bank Terms: Fees and limits depend on the issuing bank
- • No Airport Lounges: Not included as standard
- • Base reward rate is low without paid add-ons
- • Most useful benefits need paid add-on features
- • Self-employed applicants must be at least 25