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Key Features & Benefits
- ✦5X rewards on the top 2 spend categories detected automatically each month
- ✦1X on all other eligible spends
- ✦2% forex markup — low for a free metal card
- ✦Full metal card — premium feel at zero cost
- ✦Real-time transaction notifications and instant controls via app
- ✦Set spend limits on categories, merchants, and time periods
- ✦EMI conversion via app
- ✦Zero annual fee — lifetime free
- ✦1% fuel surcharge waiver
- ✦Add-on cards
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Welcome & Joining Benefits
- ✦Metal card delivered in 3–5 days
Milestone Benefits
- ✦Check bank's official website for current benefits
Pros & Cons
✓ Advantages
- ✓Metal card at zero annual fee — unique in India
- ✓Auto-detect 5X means you always earn maximum on what you spend most
- ✓2% forex — excellent for a free card
- ✓Full digital control — instant block, limit changes, EMI
✗ Disadvantages
- ✗No lounge access
- ✗5X limited to top 2 categories
- ✗Rewards must be redeemed via OneCard app
Frequently Asked Questions
How does OneCard auto-detect my top 2 categories?
OneCard's system analyses your monthly spending and automatically identifies the top 2 MCC categories where you spend most. Those earn 5X. The categories reset each month based on your actual spending pattern.
Is the OneCard truly lifetime free?
Yes — OneCard Federal Bank credit card has no joining fee and no annual fee. The metal card is also provided free of charge. There are no hidden annual fees.
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