LIFETIME FREE Visa, RuPay ★ Metal Edition 📡 Contactless NFC

OneCard Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 1%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

App-first digital natives, online shoppers, and travelers seeking a Lifetime Free metal card with 5X points on top spend categories, low 1% forex, and RuPay UPI support.

Who Should Avoid

Users seeking international airport lounge visits or high offline POS rewards.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Welcome bonus OneCard points credited upon completing app onboarding and first transaction

5X Reward Points on Top 2 Spend Categories

Earn 5X Reward Points on your top 2 spending categories each month on minimum spends of ₹750 per category.

Low 1% Forex Markup

Low foreign currency markup fee of 1.0% on international retail purchases.

Lifetime Free Metal Credit Card

Unconditionally Lifetime Free metal-styled credit card with zero joining and annual fees.

💰 Reward Structure & Point Valuation

1 OneCard Points = ₹0.25

Standard Base Earning

1 Reward Point per ₹50 spent on all other retail transactions (0.50% return; 1 Point = ₹0.25)

Accelerated / Partner Rate

5X Reward Points on your top 2 spending categories each month (e.g., Dining, Shopping, Utilities, Groceries) on min ₹750 spend per category (capped at 25,000 points/month); Low 1.0% forex markup fee

Points Validity:Never Expire

Redemption Fee: ₹0 (Free)

Redemption Modes: Instant Statement Credit via OneCard App (1 Point = ₹0.25), Brand Gift Vouchers & Partner Offers

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Jewellery EMI Cash Advances

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits1 complimentary domestic airport lounge visit per calendar quarter

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹10,000 in the previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and annual renewal fees

UPI Payments Support✓ Supported (RuPay)

1% valueback on eligible RuPay merchant UPI transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):1.00% to 3.50% per month (12.0% to 42.0% per annum dynamic APR)

Late Payment Penalties:Late payment charges slab-based up to ₹1,250

Official Bank Portal Application

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Lifetime Free Card • Zero Annual Maintenance Charges

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Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

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Frequently Asked Questions

Yes, the OneCard Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.

OneCard Credit Card Lifetime Free (₹0)