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Federal/BoB/SBM

OneCard Metal

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Annual Fee

Free

Reward Type

Cashback

Forex

3.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree
Min Monthly Income₹50,000

Rewards

Reward TypeCashback
Base Rate5%
Point Value₹1/point

Category Multipliers

dining5%grocery5%

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkDreamFolks

India-Specific

Fuel Surcharge✓ 1% waiver

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✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸Up to 5× rewards on top spend categories
  • ▸4 domestic lounge visits/year
  • ▸LTF metal card — premium feel with no fee
  • ▸Invite-only for existing OneCard holders

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹60,000

Effective Rate

5.0%

Ranked #1 of 173 cards🏆 Top 10

🏷️ Best For

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