OneCard Partner Banks
One Credit Card
SimplifyCards take:A good fit if you want a card built for lifetime free, metal card, and low forex
✓
Best for Top 2 Spend Categories Of The Month (5X Multiplier)Best for
5 OneReward Points / ₹50 spent
!
Avoid if you spend big on fuel, rent, and wallet loadsWatch out
These categories are excluded and won't earn rewards
✦
Good fit if you want a card built for lifetime free, metal card, and low forexBottom line
It combines a low 1% forex markup, accelerated rewards on top 2 spend categories of the month (5x multiplier), and no annual fee
Estimate your OneRewards
Adjust your monthly spend to see the card's estimated annual value
How the card works
OneRewards rates
| Category | Rate |
|---|---|
| Top 2 Spend Categories Of The Month (5X Multiplier) | 5 OneReward Points / ₹50 spent |
| All Other Retail Spends | 1 OneReward Point / ₹50 spent |
Redemption
Statement balanceupto ₹ 0.1 per point
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- India's first metal credit card — lifetime free
- No rewards redemption fee; no minimum points threshold for in-app redemption
- 1% fuel surcharge waiver (capped at ₹400 per month)
Additional details
- 5X rewards are active on your top 2 highest-spend categories in a given month. Effective January 6, 2025, you must make a minimum spend of ₹750 in each of at least 3 different categories during the calendar month to unlock this 5X benefit
- Card is issued by partner banks: Federal Bank, SBM Bank, South Indian Bank, BOB Financial (BOBCARD), Indian Bank, and CSB Bank. Network and specific MITC terms may vary by issuing bank
Eligibility
Check this before you apply
Salaried
- Minimum age: 18 years
- Subject to issuing partner bank credit approval criteria
Self-employed
- Minimum age: 18 years
- Subject to issuing partner bank credit approval criteria
Exclusions
Spending that does not earn onerewards
- Fuel transactions
- Rent payments
- Cash advance transactions
- Wallet loading transactions
- Money transfer transactions
Compare before you decide
Alternatives based on what you might want instead