one card
OneCard Metal Credit Card
Annual Fee
Lifetime FreeBase Reward
2% points
Foreign Markup
1%
Product Highlights
- Lifetime free credit card
- 1 Reward Point per ₹50 spent
- 5x Reward Points on top two spend categories
- 1% foreign currency markup fee
- 3.75% interest rate per month
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Amazon
5x Reward Points
Flipkart
5x Reward Points
Levi's
5x Reward Points
Reward Calculator
Earns ₹600/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
6K
OneCard Reward Points
₹600
via standard · ₹0.1/pt
Effective rate
0.38%
Annual fee
FREE
Year 1 net
+₹600
Year 2+ net
+₹600
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
1%Charged on every international (non-INR) transaction
Excluded from rewards
money transfer, rent, cash advance, wallet load
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 1 Reward Point per ₹50 spent and 5x Reward Points on the top two spend categories of the month.
- 1 Reward Point = ₹0.10
Benefits & Features
1% Waiver on Fuel Transactions Up to ₹400 Each Month
Pros & Cons
Pros
- Lifetime free credit card
- Low forex markup fee
- Ability to earn fractional Reward Points
Cons
- No welcome benefits
- No lounge access
- Limited insurance benefits
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Networks