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OneCard Metal (Federal Bank)
Visa
OneCard Metal (Federal Bank)
OneCard's metal variant keeps the lifetime-free pricing and app-first, numberless design, with a 1% forex markup, a slightly richer base reward rate and limited lounge access — aimed at applicants with strong credit (750+). OneCard does not ask for income proof.
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.
Rewards & benefits
- Rewards rate: 1.5% base rate
- Domestic lounge access: Limited complimentary domestic lounge visits, conditional on meeting a quarterly spend threshold
- International lounge access: None
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% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Employment: salaried, self-employed
- Age: 18–60
Fees & charges
- Foreign currency markup: 1%
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at ₹400 per calendar month
- Cash advance charges: 2.5% of the withdrawn amount, subject to a minimum of ₹300
Benefits
- Same auto-detected 5X top-2-category engine as base OneCard, with a higher baseline rate
- 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
- + Just 1% forex markup, useful for occasional overseas spend
- + Same auto-detected 5X top-2-category reward engine, with a higher underlying base rate
- + Genuine metal card body with the same app-only, numberless design
Cons
- − No income proof needed, but a credit score of 750+ is recommended to qualify for the metal card
- − Lounge access is limited and spend-conditional rather than a fixed annual allotment
- − Reward catalog remains narrower than large legacy bank programs
Best for
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