All cards / Federal Bank
OneCard (Federal Bank)
A metal, app-only lifetime-free card popular with younger, digitally-native users — 5X rewards auto-apply to your top 2 spend categories each month, with a 1% forex markup and full fuel surcharge waiver.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Reward rates by category
- Online shopping5% (capped ₹1,000/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 18–60
Benefits
- 100% fuel surcharge waiver, capped ₹400/month
Pros
- + Lifetime free
- + Low 1% forex markup
- + Fully app-managed, no physical statements
Cons
- − Rewards depend on which categories the app auto-selects each month
- − No lounge access
Applying takes you to Federal Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.