Last updated: |Data verified from official bank sources
Mid-Range
OneCard Metal
Multiple (SBM/Federal/BOB)
Best for: Free metal card, low forex travelers
FREE
Annual Fee
2%
Reward Rate
1%
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: Free metal card, low forex travelers
Things to Watch Out For
- •No lounge access
- •Points have very low redemption value
Fees & Charges
Joining FeeFREE
Annual FeeFREE
Forex Markup1%
Rewards
TypePoints
Base Rate1 pt/₹50
Effective Return2%
Accelerated Categories
Top 2 categories5X (10%)
Lounge Access
DomesticNone
InternationalNone
Eligibility
Minimum Income₹3.0L/year
Also available as secured card
Available on: Visa, Mastercard, RuPay
Frequently Asked Questions
What is the annual fee for OneCard Metal?▼
OneCard Metal is a lifetime free card with no annual fee.
What rewards does OneCard Metal offer?▼
OneCard Metal offers 1 pt/₹50 on all spends, with an effective value of 0.2%.
Does OneCard Metal have lounge access?▼
OneCard Metal does not include complimentary lounge access.
What is the minimum income required for OneCard Metal?▼
The minimum income requirement for OneCard Metal is ₹3.0 lakhs per annum.
Information sourced from Multiple (SBM/Federal/BOB) official website. Last verified: February 2026.
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PlasticMoney Research Team
Personal finance experts analyzing credit cards since 2023