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OneCard (Federal Bank)
Visa
OneCard (Federal Bank)
OneCard was the card that popularized the numberless-metal, app-only credit card in India, and its Federal Bank variant remains a strong lifetime-free option for people who want a genuinely modern app experience over a traditional bank's clunky net banking portal. It auto-detects your top spend category each month and rewards it at 5X, which suits people with variable spending patterns better than a card with fixed bonus categories.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, dining. It's a lifetime-free card with no fee to track.
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate
- 🛍️ Shopping
5% reward rate
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 5X rewards on the top spending category each billing cycle, auto-detected by the app rather than fixed by the issuer
- Fully numberless metal card controlled entirely through the OneCard app — freeze/unfreeze, spend limits and virtual card generation in-app, no physical CVV/number printed on the card
- Instant digital card issuance and usable virtual card within minutes of approval, physical metal card shipped separately
Pros
- + Lifetime free — zero joining and annual fees for life
- + 5X reward points on your single highest-spend category every month, chosen automatically
- + Fully app-controlled: instant limit changes, freeze/unfreeze, and virtual card details, with no card number or CVV printed on the physical card
- + Fast, largely digital approval and onboarding process
Cons
- − No airport lounge access or premium travel benefits
- − Reward point redemption catalog is narrower than large-bank programs
- − Only one dynamic 5X category per cycle; other spends earn a flat, modest rate