OneCard Metal Credit Card Review

The OneCard metal credit card is a smart option for those who are newcomers to the credit card market and want an easy-to-get card. With modest costs and a variety of useful benefits, One card metal card is a premium-quality metal credit card. The most attractive part is that you can get this card against an FD (if you have a low CIBIL score).

Some of the many interesting One metal credit card benefits are assured rewards on every transaction, accelerated rewards on top spend categories, fraud liability coverage, etc. These onecard metal credit card benefits are discussed in more detail below.

Who can apply for the onecard metal credit card?

  • Resident Type: Indian
  • One card credit card eligibility criteria for salaried people:
    • One card credit card age limit: 21 to 60 years. 
    • Income: You don’t need to provide any income proof for this card.
  • one card credit card eligibility criteria for self-employed people:
    • Age: 21 to 65 years.
    • Income: You don’t need to provide any income proof for this card.
  • A credit score of 700+ is required to apply for this lifetime free credit card.
  • You can also get this card against an FD of Rs.50,000

What documents are required to apply for the OneCard metal card?

  • Photocopy of Address proof (any 1)
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement: (You can also get this credit card without income proof)
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

What are the one card metal card fees?

  • OneCard metal joining fee: None.
  • OneCard metal annual fee: It is a lifetime free credit card.

What are the benefits of OneCard?

  • Make your transactions more rewarding:

For every Rs.50 transaction, one credit card offers you 1 reward point. Also, on your top 2 spending categories, you will get 5X rewards. Those rewards will never expire and you can redeem them in cash or against any purchase without paying any redemption charges.

  • Experience exclusive deals on top brands:

From time to time one card keeps surprising its customers with exclusive deals on top brands. You can check the credit card offers from the offers section of your One card app.

  • Enjoy the easy bill-splitting option:

This feature allows you to convert your high-value transactions into EMIs for up to 24 months. It is a very helpful feature for frequent shoppers. 

  • Powerful mobile app:

The One Card Mobile app has a very handy and user-friendly interface, that allows you to manage your credit card seamlessly. You can also make online transactions directly from your One Card app.

  • Complementary fraud liability coverage:

The onecard – metal credit card comes with a fraud liability coverage of Rs.1 lakh. In other words, if there is something suspicious with your account, just contact onecard customer care number, and you will not be held liable.

What are the onecard metal credit card charges?


Chargeable amount

One card credit card withdrawal charge 2.5% against the withdrawn amount, min Rs.300
Finance charge Can go up to 3.5% monthly
Foreign currency conversion charge 1% against the transaction amount
Add-on card fee Rs.3000 + GST (For metal card) and None for plastic cards

How to contact the onecard customer care department?

  • Call the onecard metal credit card customer care number: 1800 210 9111
  • Write to the onecard credit card mail id:  

100xGain Ratings:


Pros and cons:



  • It is a lifetime free credit card.
  • This one card offers a very impressive reward-earning rate.
  • You will not get any dining or travel benefits from this one card credit card.

Final Opinion:

The One card metal credit card is an excellent option if you are looking for an entry-level credit card at a minimal cost. With an impressive reward-earning rate, an easy EMI option, and fraud liability coverage, it offers more than enough for its price.

I would, however, recommend taking a look at our best credit cards page in case you are seeking additional premium benefits such as free lounge access or exclusive discounts on dining and shopping. It will help you in making a decision.

Alternative cards of the one metal card:

  1. AU Zenith Card (Best for reward and lounge benefits)
  2. Axis Bank Titanium Smart Traveler Credit Card (Best for reward and dining benefits)
  3. Bajaj Finserv Shop Smart SuperCard (Best for cashbacks)
  4. ICICI Bank Rubyx Credit Card (Best for lounge, dining, and movie benefits)

FAQs on One Metal Card:

  • What is OneCard metal card?

The One Metal card is a lifetime free metal credit card that is offered by One Card in collaboration with several banks including IDFC First Bank, SBM Bank, South Indian Bank, Federal Bank, and Bank of Baroda Financial

  • Is OneCard RBI approved?

To provide credit card services, One Card collaborates with RBI-approved banks. Therefore, I believe One Card is completely safe.

  • How do I get metal OneCard?

You can download the One Card mobile app and apply for the One metal card from there. You can also visit the onecard metal credit card apply online portal and complete the application process from there.

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