OneCard (BOB/FPL)Metal

OneCard Metal Credit Card

•••• •••• •••• 4242

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Quick facts

OneCard Metal Credit Card

Top reward1%

Annual feeLifetime Free

Min income₹15,000/mo

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💎Premium Metal

OneCard (BOB/FPL) · Metal tier

OneCard Metal Credit Card

Metal card, zero fee

Popular with young salaried users — fully app managed.

Key Benefits

💳

Lifetime free metal card

🎁

App-first controls

⛽

5X on top spend category

Annual fee

Free

Top rate

Min income

₹15,000/mo

Eff. return

0.96%

Realistic net value (moderate user): ₹4,620/year

After ₹0 fee & ₹180 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹4,800

Before fees & forex

Costs / year

₹180

Fee ₹0 + forex ₹180

Net value / year

₹4,620

0.96% effective return on spend

Category-wise breakdown

All other eligible spends

Spend ₹40,000/mo · 1% cashback

₹4,800/year

₹400/mo

₹40,000 × 1% = ₹400/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

💎Premium Metal

High income, metal cards, max perks

Reward Structure

Source: Issuer public T&Cs

all

Example: ₹10,000/mo spend → ≈ ₹100/mo

Excluded categories (no rewards)

EMIRentWallet loads

Best for

→ Metal card, zero fee

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Lifetime free card

₹0

Annual / renewal fee

No renewal fee ever

₹0

Forex markup

1% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹4,800

Annual fee− ₹0

Forex cost− ₹180

Net annual value₹4,620

Eligibility Snapshot

Public criteria from Issuer public T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹15,000/mo

Min income (self-employed)₹1,80,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierMetal — ultra-premium metal card

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with OneCard Metal Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹4,800/year. After the ₹0 annual fee, net value is approximately ₹4,620/year. Use the calculator above to model your own spends.

What is the minimum income for OneCard Metal Credit Card?+

₹15,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Rent, Wallet loads.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.