OneCard Metal Review 2026
Last reviewed:
Quick verdict
The tech-first credit card that auto-detects your top 2 spending categories and gives 5X rewards on them. The sleek metal card and real-time spending analytics appeal to app-savvy millennials. Lifetime free with a solid rewards structure, though the lack of add-on cards is a limitation for families.
Pros
- Lifetime free — no joining or annual fee
- Airport lounge access: 4 domestic per year
- Accessible eligibility — minimum income around ₹20,000/month
Cons
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- Metal card — no annual fee ever
- Auto-detects your top spend categories for 5X
- Real-time spend analytics in app
- Instant EMI conversion on any purchase
Fees & charges at a glance
| Joining Fee | Nil |
|---|---|
| Annual Fee | Lifetime Free |
| Rewards | 5X reward points on top 2 spend categories |
| Welcome Benefit | None |
| Lounge Access | 4 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.0% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 |
| Add-On Card Fee | Not available |
| Min Income | ₹20,000/month |
| Network | Visa |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The OneCard Metal is best suited for tech-savvy users. It is a premium card on the Visa network, and OneCard (FPL) generally looks for a minimum income of ₹20,000/month. If your spending matches its reward categories (5x reward points on top 2 spend categories), the card can pay for its annual fee of Lifetime Free. If not, a lifetime-free card may give you better net value.
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OneCard Metal: frequently asked questions
What is the annual fee of the OneCard Metal?
The OneCard Metal has a joining fee of Nil and an annual fee of Lifetime Free. Since it is lifetime free, you never pay a renewal fee.
What rewards does the OneCard Metal give?
5X reward points on top 2 spend categories. Metal card — no annual fee ever. Auto-detects your top spend categories for 5X.
Does the OneCard Metal offer airport lounge access?
Yes. The OneCard Metal offers 4 domestic per year. Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with OneCard (FPL).
What is the eligibility and minimum income for the OneCard Metal?
OneCard (FPL) typically requires a minimum income of ₹20,000/month for the OneCard Metal, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the OneCard Metal?
The OneCard Metal charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the OneCard Metal?
The foreign currency markup on the OneCard Metal is 3.0% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the OneCard Metal to UPI?
No. The OneCard Metal runs on the Visa network. Only RuPay credit cards can be linked to UPI in India at present.
CardKhoj is an independent comparison site. We do not sell cards or collect applications — apply only on the bank's official website or app, and confirm the latest fees there.