OneCard
OneCard · Lifestyle · Visa/MC
Annual Fee
FREE
Fee Waiver
Lifetime free
Lounge Access
None
Best Rate
1%
Network
Visa/MC
✅ Data verified March 2026
Reward Rates by Category
⛽Fuel
1%
🍽️Dining
0.2%
✈️Travel
0.2%
🛒Online Shopping
0.2%
🥦Groceries
0.2%
💡Utilities
0.2%
🎬Entertainment
0.2%
🛍️Shopping
0.2%
How Points Work
5x on top 2 categories (~1%), 1x others (~0.2%) · 1pt = ₹0.10 · Points never expire
💡
Redemption matters
Top 2 spending categories auto-detected monthly at 5x (~1%). Other categories 1x (~0.2%). Algorithm picks based on actual spend — not manually selectable.
🚀 Boosted Rates (Partners & SmartBuy)
Top 2 spending categories (auto-detected)5x points (~1%)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Metal card5x on top 2 categoriesLifetime freePoints never expire
PROS
✅ Metal card (premium feel)
✅ Auto-optimizes for your spending
✅ Free forever
CONS
⚠️ Effective rate only ~1% even at 5x
⚠️ 0.2% on non-top categories
⚠️ No lounge
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