OneCard Metal Credit Card

Name: OneCard Metal Credit Card
Brand: FPL (Federal/BOB/CSB)

FPL (Federal/BOB/CSB) • App-first metallic card with an ultra-low 1% foreign exchange markup.

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OneCard disrupted the Indian market by shipping a solid metal card with zero annual fee and a 1.0% forex fee. Its app gives instant fractional points and lets you select EMI repayments cleanly.

Annual Fee (+ 18% GST)₹0 (Lifetime Free)

Fee WaiverLifetime Free forever

Joining PerkLifetime Free premium engraved metal card

Primary Reward5X rewards on top 2 monthly spending categories

Airport Lounge AccessNo complimentary lounge access

Forex Markup1.0% + 18% GST

RuPay UPINo

Best ForMobile-first tech enthusiasts wanting an engraved metal card with ultra-low 1% forex

What We Like

Heavy engraved metal card with ₹0 lifetime fee
Very low 1.0% foreign exchange markup
Instant reward points redemption to statement cash balance

Watch Out

Base reward rate without 5X category accelerator is a low 0.2%
No airport lounge access

MITC & Hidden Charges

Lifetime free. Low 1.0% forex markup fee. Cash advance rate 2.5% or min ₹300.

OneCard Metal Credit Card FAQs

How does OneCard calculate 5X rewards?

OneCard dynamically computes your top 2 spending categories for each billing cycle and multiplies points by 5X automatically.

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