OneCard Metal Credit Card: Fees, Rewards & Benefits
Rewards card
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The OneCard Metal is a clean, genuinely lifetime-free metal card whose standout features are a 1% forex markup, never-expiring points and excellent app controls. Earning is modest at about 0.2% base, and with no lounge access or milestones, it works best as a low-cost everyday and travel companion rather than a primary rewards card.
Rewards card
The Bottom Line
The OneCard Metal is built for first-time or zero-fee seeker and occasional international spender. With no annual fee, it offers 1% rewards on other and fuel surcharge waiver. It makes the most sense if your spending matches first-time or zero-fee seeker and occasional international spender.
It earns a base reward rate of 0.2% and stacks best when your spending lines up with First-time or zero-fee seeker, Occasional international spender.
Who Should Get This Card
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Best fit for
IdealSomeone who wants a no-cost, no-strings metal card with modern app controls and points that never expire, without worrying about annual fees.
A user who travels or shops abroad now and then and benefits from the unusually low 1% forex markup on a free card.
Probably not for
SkipAnyone chasing high cashback or reward rates will find the 0.2% base earn and lack of milestones underwhelming versus dedicated rewards cards.
Travellers who rely on lounge access get nothing here, as the card offers zero domestic or international lounge visits.
Is It Worth It For You?
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Reward Rates
OneCard Metal offers 0.2% basic reward rate.
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Welcome Offer
Fees & Charges
Eligibility
- Min Credit Score: 750
- Lifetime free metal card; age 18-60; credit score 750+ preferred; available secured against FD (no credit score required) or unsecured.
Exclusions & Terms
Forex markup
- Foreign currency markup
Money Transfers / P2P
- Does not earn reward points.
Cash Withdrawals / Cash Advances
- Does not earn reward points.
Fees, Interest and Charges
- Does not earn reward points.
Frequently Asked Questions
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Ready to apply?
No annual fee. Apply on the OneCard website.
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