Lifetime freeBeginner friendly

OneCard Metal Credit Card Review

OneCard Metal is best for a free metal card with a low 1% forex markup. Lifetime free metal card.

Annual feeLifetime free

Fee waiverNot needed

Top reward rate0.2%

Forex markup1%

NetworkVisa

Min. incomeNot published

Visit OneCard (partner banks) website Calculate my rewards Compare

Pros

Lifetime free metal card
5X points on your top 2 spend categories each month
Low 1% forex markup

Cons

Low 0.2% base reward rate
Issued through partner banks, so terms can vary

Reward rate by category

Effective value back per ₹100 spent. 1 point per ₹50 (₹0.10 each) = 0.2%; 5X (1%) on your top 2 spend categories each month, not modelled here.

Amazon0.2%

Flipkart0.2%

Other online shopping0.2%

Food delivery0.2%

Dining out0.2%

Groceries0.2%

Flights & hotels0.2%

Fuel0%

Bills & recharges0.2%

Everything else0.2%

How much could you earn?

Estimated yearly value after fees and caps for typical spending patterns.

Balanced spender ₹3,96,000/yr spend	₹720
Online shopper ₹3,90,000/yr spend	₹780
Frequent traveller ₹8,04,000/yr spend	₹144
Family & groceries ₹5,88,000/yr spend	₹1,056

Use my own spends

Lounge access

None

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OneCard Metal FAQs

What is the annual fee of the OneCard Metal credit card?

The OneCard Metal credit card is lifetime free, with no joining or annual fee.

Is OneCard Metal a good credit card?

The OneCard Metal card is best for: a free metal card with a low 1% forex markup. Its main strengths are: lifetime free metal card; 5x points on your top 2 spend categories each month. Its main drawback: low 0.2% base reward rate.

What is the forex markup on OneCard Metal?

The OneCard Metal card charges a 1% forex markup on international transactions, plus 18% GST on the markup.

Does OneCard Metal offer airport lounge access?

No, the OneCard Metal card does not offer complimentary airport lounge access.

✓ Details verified 26 September 2026Minimum income: not published. Sources: Paisabazaar: OneCard · Wise: OneCard review 2026. Banks change terms often, so confirm on the OneCard (partner banks) website before applying.