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OneCard Metal (Federal Bank)
Visa
OneCard Metal (Federal Bank)
OneCard's higher-income metal variant keeps the lifetime-free pricing and app-first, numberless design of the base card but adds a lower forex markup, a slightly richer base reward rate and limited lounge access — a step up for existing OneCard users whose income has grown into the higher eligibility band.
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
1.5%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in online shopping, dining, travel. It's a lifetime-free card with no fee to track.
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate
- ✈️ Travel
3% reward rate · Limited complimentary domestic lounge access tied to quarterly spend thresholds
- 🛍️ Shopping
5% reward rate
- 🌍 Forex / international spend
1.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Same auto-detected 5X top-category engine as base OneCard, with a higher baseline rate and lower forex markup for higher-income cardholders
- Limited complimentary domestic lounge access tied to quarterly spend thresholds
- Genuine stainless-steel metal card body with numberless, app-controlled design
Pros
- + Still lifetime free despite the richer benefit set
- + Lower forex markup than the base OneCard, useful for occasional overseas spend
- + Same auto-detected 5X top-category reward engine, with a higher underlying base rate
- + Genuine metal card body with the same app-only, numberless design
Cons
- − Higher income eligibility bar than the base OneCard
- − Lounge access is limited and spend-conditional rather than a fixed annual allotment
- − Reward catalog remains narrower than large legacy bank programs
Best for