OneCard Metal Credit Card
OneCard About This Card
OneCard Metal is a lifetime free Visa Signature metal card offering 5X rewards on your top 2 spend categories each month (auto-detected). With just 1% forex markup and zero redemption fees, it's one of India's most popular fintech credit cards.
Pros & Cons
Pros
- Lifetime free metal card — no joining or annual fee
- 5X rewards on top 2 monthly spend categories (auto-detected)
- Only 1% forex markup — excellent for international spending
- Reward points never expire and no redemption fee
Cons
- No airport lounge access
- 1 RP per Rs 50 base rate is modest
- No welcome bonus
- Multiple issuing banks — experience may vary
Fee Details
Reward Structure
Lounge Access
Key Highlights
- Lifetime free metal credit card
- 5X rewards on top 2 spend categories each month
- 1% forex markup — among the lowest in India
- Instant digital card + metal physical card
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