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Indian Bank One Co-Branded Credit Card
Indian Bank's co-branded entry into the mobile-first OneCard family — a lifetime-free metal card with a low 1% forex markup and 5X rewards that auto-apply to your top two monthly spend categories, managed entirely through the OneCard app.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
5% reward rate (capped ₹1,000/monthly)
- ⛽ Fuel
Fuel surcharge waiver on eligible transactions (exact cap not publicly disclosed)
- 🌍 Forex / international spend
1% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 1%
Benefits
- Fuel surcharge waiver on eligible transactions (exact cap not publicly disclosed)
- Mobile-first metal card fully controlled via the OneCard app, with EMI conversion; available in both Visa (physical + virtual) and RuPay (UPI-linked, virtual-only) variants
Pros
- + Lifetime free — no joining, annual or renewal fee
- + Low 1% forex markup for an entry-tier card
- + Relaxed eligibility; RuPay variant supports UPI-linked credit payments
Cons
- − Rewards depend on which categories the app auto-selects each month
- − No lounge access or insurance benefits disclosed