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Indian Bank
Indian Bank One Co-Branded Credit Card
Visa
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.
Rates and fees last verified 14 September 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 monthly income: ₹15,000
- Employment: salaried, self-employed
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
Applying takes you to Indian 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.