Cashback

OneCard Credit Card

Name: OneCard Credit Card
Brand: Federal Bank / BOB Cards

Federal Bank / BOB Cards

8.3

CardTrail Score

Very Good

out of 10

💰 Net Value

6.5

🔓 Accessibility

8.1

⚡ Feature Depth

5.2

🏦 Bank Trust

6.5

How we score →

Compare This Card Full Details

Annual Fee

Free

Lifetime free

Forex Markup

Reward Rate

Up to 5%

Lounge Access

domestic | 0 intl

About This Card

OneCard disrupted Indian credit cards with a beautiful metal design, lifetime free pricing, and smart category detection that gives you 5X on your top spending categories automatically. The app is best-in-class. Forex at 2% is decent but Scapia/IDFC beat it.

Pros & Cons

Pros

Metal card — looks and feels premium
Lifetime free
Smart category detection — 5X on your top 2 categories
Best-in-class mobile app

Cons

2% forex — decent but not zero
Category detection can be unpredictable
Federal Bank backend — limited branch support

Fee Details

Annual Fee

Free

Joining Fee

Free

Fee Waiver Condition

Lifetime free

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

Cashback

Welcome Bonus

None

Lounge Access

Domestic Lounges

per quarter

International Lounges

Key Highlights

+ Lifetime free metal card
+ 5X on top spending categories (auto-detected)
+ 1% base cashback
+ Beautiful app experience

Compare With...

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9.4

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