OneCard
78/100
·
FREE
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CARD HOLDER
YOUR NAME
EXPIRES
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OneCard (Federal Bank)
OneCard
VISA
LIFETIME FREE
Rewards
VISA
OneCard
by OneCard (Federal Bank) · Data verified 5 days ago
Lifetime free metal card with 5X rewards on top spends, real-time spend tracking, and instant EMI conversions. Best fintech card experience.
78
Score
Based on rewards, fees, benefits & eligibility
FREE
Fee
Waiver available on spending
2
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
2 RP Earn
base reward rate
16 per year Lounges
complimentary
Lifetime FREE
waiver available
78/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Net Annual Value
You save per year!
What's Great
- Precision-crafted 16g sleek Metal Credit Card with zero joining and annual fee forever
- Ultra-low 1% foreign currency transaction markup — 70% cheaper than standard bank credit cards
- Automatic 5X rewards on your top 2 spending categories each month with no activation hassle
- Reward points never expire and have zero redemption fees (10 Reward Points = ₹1 cash credit)
- Full card control directly from the OneCard app: instant lock, PIN reset, domestic/intl toggles
- MyFamily feature: share credit limit with up to 5 family members with individual metal/plastic cards
Things to Consider
- No complimentary airport lounge access included with the card
- FD-backed variant issued as plastic if unsecured eligibility criteria are not met
- Base reward rate is modest (1 RP per ₹50 spent = 0.20%) on non-accelerated categories
Perfect For
Tech-savvy users
Young professionals
Metal card lovers
About This Card
Metal card with 5X rewards on top 2 spend categories automatically
Annual Fee
FREE
Joining Fee
FREE
Lifetime Free — zero joining fee forever
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
3.75% - 3.75%
Foreign Transaction Fee
Markup on international txns
1.00%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹400/mo
Interest-Free Period
On new purchases if paid in full
20 to 48 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹300)
Late Payment Fee
Charged if minimum due not paid on time
15% of Total Amount Due (min ₹100, max ₹1,300)
Reward Points Validity
How long your earned points remain valid
Reward points never expire
Card Replacement Fee
Fee for lost or damaged card replacement
₹250
2
Reward Pts
₹0.10
Point Value
0.00%
Cashback
Welcome Bonus
No welcome bonus offered
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Shopping BONUS | 10 pts/₹100 | 5X on top 2 spending categories (auto-detected, 10 RP per ₹100) |
| E-commerce | 2 pts/₹100 | 1 RP per ₹50 = 2 RP per ₹100 on all other spends |
| Fuel | — | No rewards on fuel/rent/wallet |
Point Value: 1 point = ₹0.10
|
Redemption Fee: ₹0 + GST per request
Domestic Lounges
16 per year
Fuel Savings
₹400/mo
Lost Card Cover
₹0
Dining
- •5X reward points on dining and food delivery if dining is among your top 2 monthly spending categories
- •Up to 20% valueback at select airport restaurants via Around You on the OneCard app
Shopping
- •1 Reward Point per ₹50 spent on all retail transactions (10 RP = ₹1, points never expire)
- •5X accelerated reward points on your top 2 spending categories every billing cycle
- •Exclusive OneCard Offers on leading shopping brands, gadgets, and apparel via OneCard app
- •Instant EMI conversion with transparent interest rates and zero foreclosure fees
Travel
- •Ultra-low 1% foreign currency transaction fee (plus GST) for international travels and online foreign spends
- •1% fuel surcharge waiver up to ₹400 per month on transactions between ₹400 and ₹4,000
- •International usage enabled on Visa Signature and RuPay networks
Partner Benefits
- •Around You feature in OneCard app for local dining, cafe, and retail partner deals
Special Offers & Features
- •Precision-crafted metal card delivered to your doorstep upon unsecured card approval
- •Instant virtual card generation for immediate online transactions
- •MyFamily feature: add up to 5 family members with shared limit and individual controls
- •No documentation needed for existing bank score applicants
EMI Options
- •EMI conversion on eligible purchases
- •Tenure: 3, 6, 9, 12 months
Card Features
Contactless
✓ Yes
Virtual Card
✓ Yes
International
✓ Yes
Material
Metal
Mobile Wallet Support
Google Pay
Apple Pay
Samsung Pay
78
out of 100
CardSahayak Score
"Apply Now" takes you to OneCard (Federal Bank)'s official website.
Eligibility
Salaried
₹25,000/mo
Self-Employed
₹30,000/mo
Age
18-60 yrs
CIBIL
750+
Employment
Salaried, Self-Employed
Card Variant
Metal
Scores
Rewards
17/100
Fees
100/100
Benefits
35/100
Access
77/100
1 Active Offer
Deals & Offers
Exclusive offers available on OneCard
OneCard Around You
Unlock localized instant valueback of up to 15% at favorite dining and grocery destinations with OneCard Around You.
15
Till 31 Dec 2026
dining
Discount
Up to 15% instant valueback
Min Spend
₹300
Max Savings
₹250
Valid Until
31 Dec 2026
How to Avail
Activate the Around You offer in OneCard app before making a transaction at nearby partner merchants.
Terms & Conditions
Valid at participating partner stores across India. Offer refreshed monthly on the OneCard mobile app.
❓ FAQ
Frequently Asked Questions
Everything you need to know about OneCard
To be eligible, you need:
- • Min age: 18 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹30,000/month min
- • CIBIL: 750+ recommended
OneCard comes with zero annual fee — completely free for life!
You earn 2 reward points per eligible transaction. Each point is worth approximately ₹0.10.
Welcome bonus: No welcome bonus offered on activation!
Redeem for flights, hotels, vouchers via OneCard (Federal Bank) rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 16 per year
- → Spend ₹50,000/quarter for 4 domestic lounge visits
- • Instant: Pre-approved OneCard (Federal Bank) customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for OneCard today and unlock amazing rewards and premium experiences.
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