Rewards
5X on top spent categories (auto-detected), 1X on others
Best For
Zero-fee metal card with smart rewards
Lounge Access
None
Fuel Surcharge Waiver
1% on ₹400-5000 transactions
Crediya's Verdict
OneCard disrupted the Indian credit card market with its zero-fee metal card and AI-driven rewards. The 5X on your top categories sounds great, but the lack of transparency in category selection is a downside. The app experience is best-in-class. Ideal as a daily-use secondary card or a stylish first card for those who want something that looks premium without the premium price.
Pros
✓ Lifetime free — zero annual fee
✓ Metal card — premium look and feel
✓ 5X on your top spending categories (auto-optimized)
✓ Excellent mobile app with spend analytics
✓ No minimum income proof for basic variant
Cons
✗ 5X category selection is opaque (AI-driven)
✗ Rewards as OneCard points (limited redemption)
✗ Relatively new player — long-term stability unclear
✗ No lounge access
✗ Customer support primarily app-based
Hidden Fees & Charges
⚠ Late payment: ₹300-1000
⚠ Cash advance: 2.5% (min ₹500)
⚠ Forex markup: 3.5%
⚠ Points redemption value varies
⚠ Credit limit increases can be slow