OneCard
OneCard Metal Credit Card
Data Verified
Last checked: 25 Feb 2026Best for millennials and Gen-Z who want a premium metal card experience, digital-first UX, and zero fees.
A modern lifestyle metal card with 5X rewards on top two spend categories and 1X on all other spends. No annual or joining fee for life.
LifestyleShoppingDining
Annual Fee
FREE
Lifetime Free — no annual or renewal fee
Cashback
2%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"OneCard disrupted Indian credit cards with a lifetime-free metal card and AI-powered rewards. The app experience is best-in-class — set limits, lock/unlock, convert to EMI in seconds. 5X on auto-detected top categories means personalized rewards without manual tracking. Acceptance has improved significantly. Verdict: India's coolest fintech credit card."
Key Privileges
Welcome BenefitFull-metal card delivered free with instant digital activation
Fee WaiverLifetime Free — no annual or renewal fee
Interest Rate (APR)42%
Min. Income₹3 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. FinanceMacha may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700
- Min. Income₹3 lakh per annum
- EmploymentSalaried/Self