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OneCard Metal
OneCard • Visa

OneCard Metal

5X Points on Top 2 Categories

Reviewed by CardWise Editorial Team
Last Verified: 2/13/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFree
Base Reward1.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹1,200Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

No waiver condition listed.

Net value₹3,600

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Dining
5.0%
Shopping
5.0%
Basedefault
1.0%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • 5X Points on Top 2 Categories
  • Highest reward leverage comes from dining 5.0% and shopping 5.0% bands.
  • Fee drag is low due lifetime-free structure, so net value depends mainly on how well accelerated categories are used. Card behavior is relatively straightforward without heavy cap or milestone complexity.

Best Utilization

  • Use this card first for gen z & tech savvy-aligned spends before routing to general-spend cards.
  • Prioritize transactions in accelerated bands (dining 5.0%, shopping 5.0%) and shift overflow after cap pressure appears.
  • Pair with one strong specialized card for travel or online categories to improve overall portfolio yield.

Watchouts

  • 5X logic is tricky (needs min spend in other cats)
  • Customer support via App only
  • Term changes and partner-list updates can shift effective value; review issuer terms periodically.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver threshold₹0
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹0.1
  • Travel value/point₹0.1
  • Transfer partners0
  • Min redemption₹500
  • Expiry policyReward points are shown as never expiring on official OneCard pages.
  • Last verified2026-02-13

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limit0
  • Airport-terminal rows0
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports16
  • Approval reports9

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for OneCard Metal using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Metal Card (Free)
  • Best Mobile App UI
  • 5X Rewards on Top 2 Spend Categories
  • Lowest Forex (1%)

Things to Consider

  • 5X logic is tricky (needs min spend in other cats)
  • Customer support via App only

About OneCard Metal

OneCard Metal is a points card from OneCard, best for gen z & tech savvy. It is tagged under lifetime free, lifestyle, travel categories in our database.

Lifetime FreeLifestyleTravel

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Frequently asked questions

Is OneCard Metal lifetime free?

OneCard Metal is lifetime free with no annual fee.

What rewards does OneCard Metal offer?

5X Points on Top 2 Categories

Does OneCard Metal include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider OneCard Metal?

Gen Z & Tech Savvy

Where can I apply for OneCard Metal?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-13
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.