Federal Bank
OneCard Credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Earn 5X Reward Points on Your Top 2 Spend Categories
Every Month on a minimum spend of ₹750 in each of at least 3 categories
Turn Everyday Bills Into Up to 5X Reward Points
Pay your electricity, water, mobile and DTH bills on OneCard and earn reward points on every payment boosted to 5X when Bills & Utilities is one of your Top 2 spend categories that month 5X boost capped at 25,000 points
Best For
Shopping
Utility Bills
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Lifetime-free metal Visa credit card, fully controlled from the OneCard App spends, limits, PIN, block/unblock, disputes, with an instant virtual card for online use
- Earn 1 Reward Point per ₹50 fractional points below ₹50 and 5X points on your Top 2 spend categories each month
- Reward points do not expire as long as the card is used within 365 days
- No reward redemption fee and no minimum threshold to redeem instant issue and redemption from the app
- Refer & earn 2,500 bonus points per successful referral
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Previous Transactions
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Money Transfer
Rent
Fuel
Cash Withdrawals
Digital Wallet Loading
Top-up Transactions
Educations
Insurance
For Spends Waiver
Money Transfer
Rent
Fuel
Cash Withdrawals
Digital Wallet Loading
Top-up Transactions
Educations
Insurance
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 1% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal No cash advance / ATM withdrawal fee is charged | Not Applicable |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card at third-party merchants. Rent payments made through the OneCard in-app rent payment feature attract 0% | 1% |
cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees No Cash Payment fee is charged | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹250 | ₹0 |
| ₹251 - ₹1,000 | ₹250 |
| ₹1,001 - ₹5,000 | ₹500 |
| ₹5,001 - ₹25,000 | ₹1,000 |
| above ₹25,001 | ₹1,200 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Earn 5X Reward Points on Your Top 2 Spend Categories
Every Month on a minimum spend of ₹750 in each of at least 3 categories
Turn Everyday Bills Into Up to 5X Reward Points
Pay your electricity, water, mobile and DTH bills on OneCard and earn reward points on every payment boosted to 5X when Bills & Utilities is one of your Top 2 spend categories that month 5X boost capped at 25,000 points
The smartest way to find your great credit card
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