CardTrail
OneCard Credit Card credit card
Cashback

OneCard Credit Card

Federal Bank / BOB Cards logo Federal Bank / BOB Cards
8.3
CardTrail Score
Very Good
out of 10
💰 Net Value
6.5
🔓 Accessibility
8.1
⚡ Feature Depth
5.2
🏦 Bank Trust
6.5
How we score →
Compare This Card Full Details
Annual Fee
Free
Lifetime free
Forex Markup
1%
Reward Rate
1%
Up to 5%
Lounge Access
0
domestic | 0 intl

About This Card

OneCard disrupted Indian credit cards with a beautiful metal design, lifetime free pricing, and smart category detection that gives you 5X on your top spending categories automatically. The app is best-in-class. Forex at 1% is excellent. No lounge access though.

Pros & Cons

Pros

  • Metal card — looks and feels premium
  • Lifetime free
  • Smart category detection — 5X on your top 2 categories
  • Best-in-class mobile app
  • 1% forex markup — very competitive

Cons

  • No lounge access
  • Category detection can be unpredictable
  • Federal Bank backend — limited branch support

Fee Details

Annual Fee
Free
Joining Fee
Free
Fee Waiver Condition
Lifetime free
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1%
Max Rate
5%
Currency
Cashback
Welcome Bonus
None

Lounge Access

Domestic Lounges
0
International Lounges
0

Key Highlights

  • + Lifetime free metal card
  • + 5X on top spending categories (auto-detected)
  • + 1% base cashback
  • + Beautiful app experience

Compare With...

See how OneCard Credit Card stacks up against top alternatives

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HDFC Diners Club Black
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9.4
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HDFC Diners Club Metal Edition
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9.3
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Quick Summary

Best For
cashback beginner
Annual Fee Free
Base Reward 1%
Max Reward 5%
Forex Markup 1%
Network Visa
Min Income ₹3L+
Compare This Card

CardTrail Score

8.3
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

cashback beginner design

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