OneCard Metal Credit Card

OneCard · Lifetime free

A free metal credit card that pays more on your two biggest spend categories.

What the bank says

• No joining fee, no annual fee and no rewards redemption fee
• 5X rewards on your top two spend categories
• A metal card, issued with CSB Bank, Federal Bank, SBM Bank, South Indian Bank, Indian Bank or BOBCARD
• Points are credited instantly and never expire

Things that catch people out

• OneCard’s page does not state what a point is worth in rupees or the base earn rate, so the card is listed with its facts and not ranked.

Joining fee: ₹0. Foreign currency markup: not published.

The facts

• Annual fee: none, free forever
• Fee waived at: no fee to waive
• Domestic lounge visits: not published
• Minimum income: not published

Read from OneCard’s own page on 2026-10-06.

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