OneCard Metal Credit Card
Joining Fee: No Joining Fee
Renewal Fee: No Annual Fee
Reward Type: Reward Points
Rewards Program
1 Reward Point for every Rs. 50 spent on regular purchases.
5x Reward Points on the top two spend categories each month (e.g., travel, groceries, online shopping). The top two categories are recalculated monthly based on spending. You also earn fractional reward points.
Reward Redemption: Redeem points for cashback at a rate of 1 Reward Point = Rs. 0.10, applicable to outstanding balances.
Forex Markup
A 1% Forex Markup Fee is applicable on all foreign currency transactions, making this card suitable for international spends compared to typical cards with higher fees.
Finance & Forex Charges
Interest Rate: A monthly interest rate of 3.49% (41% - 42% annually) is charged on outstanding balances if payments are not made by the due date.
Cash Advance Fee: 2.5% of the withdrawn amount, with a minimum fee of Rs. 300, is charged for cash withdrawals.
OneCard Banking Partners
OneCard collaborates with multiple banks in India to offer a range of credit cards like,Federal Bank, BOB, CSB, SBM, Indian Bank, South Indian Bank
Summary
The OneCard Metal Credit Card offers a lifetime-free option with accelerated rewards on the top two spend categories, fractional reward points, and low Forex markup fees. It is a great option for everyday spending, especially for those who want a simple and flexible rewards system without annual fees.