OneCard Metal
Annual Fee
FREE
Rewards/₹100 ⓘ
₹0.20 - ₹1.00
Interest Rate
45.00%
Credit Score
700+
At a Glance
Key Benefits
Reward points, 1.00% forex markup, Lifetime free
Lounge Access
No lounge access
Eligibility
Income: Rs 20K-25K/month, Age: 18-60 years, CIBIL: 700+
Quick Details
Reward Structure
All Spends
Top 2 Categories
Reward Calculator
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days of loss/theft.
Fraud
₹0
Zero liability for unauthorized transactions when reported immediately to the bank.
Lifestyle Perks
Fuel Surcharge
100.00% off
100% fuel surcharge waiver up to Rs.400/month
Quick Analysis
OneCard Metal is the best lifetime-free premium card in India. The metal construction, low forex markup, and automatic 5X category rewards make it excellent for budget-conscious users wanting premium aesthetics. Perfect as a no-fee international spending card and daily driver for smart spenders.
Pros
- Lifetime FREE metal card - no fees ever
- Low 1% forex markup (industry lowest for free cards)
- 5X rewards on top 2 spending categories (1% cashback)
- 100% fuel surcharge waiver up to Rs.400/month
- Points never expire
- Instant digital card activation in 5 minutes
- MyFamily feature - share limit with 5 family members
- EMI at low 1.33% monthly interest
- FD-backed option for low credit score users
Cons
- Low base reward rate (0.2%)
- No lounge access (domestic or international)
- 5X rewards require multi-category spending
- Rs.3000 cancellation fee if closed within 6 months
- No welcome bonus without referral code
- Excluded categories: rent, fuel (for rewards), wallets
Best For
New credit users, international shoppers, budget-conscious premium seekers, FD-backed applicants
Not Ideal For
Lounge seekers, premium reward hunters, single-category spenders
Frequently Asked Questions
What are the fees for OneCard Metal Credit Card?
What is the eligibility criteria for OneCard Metal Credit Card?
What rewards does OneCard Metal Credit Card offer?
Does OneCard Metal Credit Card offer airport lounge access?
How can I apply for OneCard Metal Credit Card?
User Reviews
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