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Last updated: 01-06-2026
OneCard Metal Credit Card
OneCard (FPL Technologies)

OneCard Metal Credit Card

"India's most popular lifetime-free metal card โ€” 5X rewards on top 2 monthly spend categories, 1% forex markup, instant virtual issuance and fully app-managed"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card
๐ŸŽฏ Best Suited For
First-time card users who want a premium metal card without fees; digital-first users who prefer managing everything via app; those who want low forex markup for international online shopping
๐ŸŽ Reward Type
Reward Points (1 RP = approx โ‚น0.10 based on OneCard blog examples; 5X on top 2 spend categories; RPs never expire; fractional RPs earned)
๐ŸŽ‰ Welcome Benefit
Instant virtual card on approval within 5 minutes; metal physical card delivered free; no welcome bonus points or vouchers
๐Ÿ’ฐ Reward Rate
1 RP per โ‚น50 on all eligible spends (base ~0.2% effective); 5X RPs on top 2 spend categories each month โ€” categories auto-detected (not user-selectable); fractional RPs earned (eg โ‚น175 spend = 3.5 RPs); excludes wallet loads, rent payments, cash withdrawals; RPs never expire
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
โญ Rate this Card
Click to rate
โœ… Pros
  • Truly lifetime free metal card โ€” only entry-level metal card in India
  • 1% forex markup โ€” among the lowest in India
  • Instant virtual card in under 5 minutes
  • 5X rewards on top 2 monthly spend categories
  • Fractional reward points โ€” earn on every rupee
  • Reward points never expire
  • Available as secured card for low/no credit score users
  • Excellent app with granular card controls
  • Issued by RBI-regulated partner banks
โŒ Cons
  • Very low base reward rate (~0.2% effective)
  • 1 RP = โ‚น0.10 โ€” much lower than the โ‚น1 per RP often quoted by aggregators
  • No airport lounge access
  • No dining, movie or travel benefits
  • Top 2 categories auto-detected โ€” not user-selectable
  • โ‚น3,000 cancellation fee within 6 months
  • โ‚น3,000 metal card re-issuance fee
  • Customer service complaints about delayed balance updates
  • Rent and wallet surcharge being introduced

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = approx โ‚น0.10 based on OneCard blog examples; 5X on top 2 spend categories; RPs never expire; fractional RPs earned)
Welcome Benefits
Instant virtual card on approval within 5 minutes; metal physical card delivered free; no welcome bonus points or vouchers
Reward Rate
1 RP per โ‚น50 on all eligible spends (base ~0.2% effective); 5X RPs on top 2 spend categories each month โ€” categories auto-detected (not user-selectable); fractional RPs earned (eg โ‚น175 spend = 3.5 RPs); excludes wallet loads, rent payments, cash withdrawals; RPs never expire
Reward Redemption
OneCard app: swipe right to redeem instantly; cashback to card account; 1 RP = approx โ‚น0.10 based on OneCard's own examples (2,000 RPs = โ‚น200 cashback); no redemption fees; instant redemption
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Not applicable โ€” lifetime free
Milestone Benefits
No specific milestone benefits; continuous earning with never-expiring points
Other Benefits
Metal card at zero cost โ€” only entry-level metal card in India; 1% forex markup โ€” among lowest in India; instant virtual card issuance in under 5 minutes; full card control via OneCard app (set limits, lock/unlock, enable/disable international/online/contactless); available as secured card against FD for those with low or no credit score; issued by partner banks: Federal Bank, BOBCARD, CSB Bank, SBM Bank, South Indian Bank, Indian Bank, IDFC FIRST Bank; UPI payments via OneCard app with RuPay credit card

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on unauthorized transactions; no additional insurance covers
Add-on Cards
Free add-on cards with same benefits
Concierge Services
Details coming soon
Special Offers
5X on top 2 categories (auto-detected monthly); 1% forex markup; free metal card; instant virtual card; fractional reward points

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.75% per month (45% per annum); interest-free period up to 48 days
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount (CSB Bank); facility not available on some partner banks like Federal Bank
Late Payment Charges
2.5% of total amount due as late payment fee
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น500
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Card cancellation within first 6 months: โ‚น3,000 fee; metal card re-issuance fee: โ‚น3,000 (plastic replacement free first time, โ‚น145 onwards); 1 to 2% surcharge on rent and wallet payments being rolled out across partner banks in 2025-2026; EMI processing fee 1% (min โ‚น99); EMI foreclosure fee 3% (min โ‚น99)

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18 to 60 years; Indian resident; salaried or self-employed; apply via OneCard app only; available as secured (FD-backed via SBM Bank) or unsecured card; CIBIL 750+ for unsecured; no minimum income for secured variant
Credit Score Requirement
750+ CIBIL for unsecured; no score needed for secured variant (FD-backed)
Credit Limit
Based on income and credit assessment; secured variant: up to 80 to 90% of FD value

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available via OneCard app; processing fee 1% (min โ‚น99); foreclosure fee 3% (min โ‚น99)
Balance Transfer Facility
Not available
Balance Transfer Interest Rate
Not applicable
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant lock/unlock via OneCard app
Instant Fraud Alerts
Real-time push notifications and SMS on every transaction
Purchase Protection
Zero liability on unauthorized transactions
Virtual Card Numbers
Instant virtual card on approval โ€” use immediately for online shopping
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
Email: help@getonecard.app; in-app support
Chat / Email Support
In-app chat support via OneCard app; email: help@getonecard.app
Mobile App
OneCard app: full card management, lock/unlock, set transaction limits, enable/disable international/online/contactless, track rewards, redeem points, EMI dashboard, UPI payments
Online Banking
Managed entirely via OneCard app โ€” no separate internet banking portal

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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