OneCard Metal Credit Card Review 2025: Is It the Right Choice for You?
In the competitive world of premium credit cards, the OneCard Metal Credit Card has gained significant attention for its sleek metal design, reward system, and no-joining-fee policy. But is it truly worth it? This detailed review covers all angles—benefits, fees, eligibility, and drawbacks—to help you decide.
Table of Contents
1. What is OneCard Metal Credit Card?
OneCard is a co-branded metal credit card issued in partnership with leading banks like SBM Bank, Federal Bank, and others. It is designed for tech-savvy users who prefer contactless payments, high rewards, and a premium experience.
Key Highlights:
✔ Lifetime Free (No joining or annual fees)
✔ Full metal card for a premium feel
✔ 1% reward points on all spends (5X on partner brands)
✔ Dynamic EMI conversion
✔ Smart app-based controls (Spending limits, rewards tracking)
2. OneCard Benefits & Features
Lets check the benefits of OneCard Metal Credit Card
A. Reward Points & Cashback
- Earn 1 RP (Reward Point) = ₹0.25 on all spends.
- 5X rewards on partner brands like Swiggy, Zomato, Uber, and more.
- Rewards can be redeemed for flight bookings, vouchers, or cashback.
B. No Hidden Charges
- Zero joining or annual fees (unlike other metal cards).
- No forex markup fee on international transactions (a rare feature).
C. Smart App Features
- Real-time spending insights
- Freeze/unfreeze card instantly
- Set spending limits per category
D. EMI & Interest Flexibility
- Convert any transaction into EMI at low interest rates.
- Lower interest compared to traditional credit cards.
3. Eligibility & Application Process
Who Can Apply?
- Age: 18+ years
- Income: Salaried (₹25,000+ monthly) or Self-employed (₹2.5L+ annual income)
- Credit Score: 750+ (pre-approved offers available)
How to Apply?
- Visit OneCard’s official website or download the app.
- Check pre-approved offers (if eligible).
- Submit KYC documents (Aadhaar, PAN).
- Get virtual card instantly; physical card dispatched in 5-7 days.
4. OneCard vs Other Premium Credit Cards
| Feature | OneCard | HDFC Millennia |
|---|---|---|
| Annual Fee | Free | ₹1,000 (waived) |
| Reward Rate | 1% (5X on partners) | 5% on select spends |
| Forex Markup | 0% | 2% |
| Metal Card | Yes | No |
Verdict: OneCard is best for no-fee metal card lovers, while Magnus suits frequent travelers.
5. Drawbacks of OneCard
❌ Limited airport lounge access (only 2 per quarter).
❌ Lower reward rate than some competitors.
❌ No fuel surcharge waiver.
6. Final Verdict: Should You Get OneCard?
Go for OneCard if you want:
✅ A free, premium metal card with decent rewards.
✅ No forex charges on international spends.
✅ Full control via a smart app.
Avoid if you need:
❌ Extensive lounge access.
❌ High reward rates like premium travel cards.
Conclusion:
OneCard is an excellent no-cost premium card for millennials and frequent spenders who prefer transparency, tech features, and a metal card experience. However, heavy travelers may need additional cards for lounge access.
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Disclaimer: This information is solely for educational purposes. The securities/investments quoted here are not re-commendatory.
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