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OneCard (Federal / SBM / CSB / Indian Bank)Visa Infinite / RuPay (Metal) • Entry Tier Source Verified

OneCard Metal Credit Card Fees & MITC Charges

Lifetime Free metal card with lower 1% forex markup and automated 5x multipliers on your top 2 monthly spend categories.

FEDERAL BANK
RuPay▶
METAL

ONECARD METAL

•••• •••• •••• 2026

Entry
Joining Fee
₹0 (Free)
No upfront joining fee
Annual Renewal Fee
₹0 (Lifetime Free)
Zero annual maintenance
Annual Fee Waiver Spend
N/A
No annual waiver criteria
Forex Markup Fee
1%
Effective 1.18% incl. GST

Airport Lounge Access Policy (2026 Update)

Domestic Lounge Allowance:No complimentary access
International Lounge Allowance:None
Quarterly Spend Condition:Unconditional (No spend requirement)

Official Rule: No complimentary airport lounge access on standard OneCard tier.

Surcharges & Utility Caps

Fuel Surcharge:1% waiver on transactions between ₹400 and ₹4000 (up to ₹300/month).
Utility Spends:1% surcharge applies on cumulative monthly utility bill payments exceeding ₹50,000.

Key Strengths

  • •100% Lifetime Free metal credit card with zero annual charges
  • •Low 1.0% foreign exchange markup fee
  • •5X rewards automatically applied to your highest 2 spending categories

Limitations & Drawbacks

  • •Base rewards are modest (0.2%) outside top categories
  • •No airport lounge access
  • •May require fixed deposit (FD) backing for new-to-credit applicants
Source Provenance
Primary Authority Document:Official Issuer Most Important Terms & Conditions (MITC)
Last Verified Date:2026-08-21
Regulatory Compliance:RBI Master Direction – Credit Card and Debit Card Issuance and Conduct Directions
View Official Bank MITC Apply on Official Bank Website →

Related Intelligence Tools

• Calculate Your Net Value for this Card →• Check Airport Lounge Spend Criteria →• Compare with 0% Forex Cards →• Decode Credit Card Statement Charge →

Questions about OneCard Metal Credit Card charges

What is the annual fee for OneCard Metal Credit Card?

OneCard Metal Credit Card is a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual fee.

What is the foreign currency (forex) markup on OneCard Metal Credit Card?

OneCard Metal Credit Card charges a 1% foreign currency markup fee + 18% GST on all non-INR currency transactions and foreign merchants.

Does OneCard Metal Credit Card offer airport lounge access in 2026?

OneCard Metal Credit Card does not offer complimentary domestic airport lounge visits.