OneCard Metal Credit Card

by OneCard (with partner banks) · Updated October 2026

Lifetime free metal card with 5X points on your top 2 spend categories each month and a 1% forex markup.

Best for App-first free metal card · 5X on top 2 categories

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You'll apply on the official OneCard page. We never ask for your details.

Joining feeFree

Annual feeFree

Fee waiverNot needed

Lounge accessNone

UPINo

Key benefits

5X reward points on your top 2 spend categories every month

Low 1% forex markup

Full control in the OneCard app

Fuel surcharge waiver

Rewards by spend category

Approximate value back on every ₹100 you spend.

Online shopping1%

Food delivery & dining1%

Groceries0.5%

Travel & flights0.5%

Bills & recharges0.2%

Everything else0.2%

Fuel–

UPI scan & pay–

Pros

No joining or annual fee
Low forex markup
Excellent app

Cons

Low point value (₹0.10 each)
No lounge access
High interest if you carry a balance

Is the OneCard Metal Credit Card worth it?

The OneCard Metal Credit Card is worth it if you spend a lot on online shopping (1%) and food delivery & dining (1%). Since it's lifetime free, every rupee of reward is pure gain, so it's worth keeping even as a backup card. It's less suitable if low point value (₹0.10 each).

Featured in: Best Lifetime Free Credit Cards in India · Best Credit Cards for Students & Beginners · Best Credit Cards for International Travel (Zero Forex)

Eligibility & documents

Age

21–60 years (salaried), up to 65 (self-employed)

Income

Regular income; the bank sets the minimum

Credit score

750+ gives the best approval chances

Documents

PAN, Aadhaar, and recent salary slips or ITR

How to apply

Tap "Apply now"You'll be taken to the official OneCard application page.
Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.

Apply now