OneCard Metal
OneCard (BOB Financial) · Visa
OneCard Metal is a zero-fee metal card with dynamic 5X cashback on top spending categories chosen by AI.
Annual Fee
Free
Base Reward Rate
5X
Point Value
₹0.25/pt
Min CIBIL
700
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
5X
Travel
5X
Shopping
5X
Online
5X
Grocery
5X
Fuel
1X
Utilities
1X
Other
1X
Pros
- ZERO annual fee with metal card
- 5X rewards on top categories (AI-selected)
- Instant cashback via app
- Real-time spending insights
- Sleek metal design
Cons
- No lounge access
- Categories change dynamically
- Limited acceptance in some places
- No transfer partners
Redemption Options
Cashback to bank
Standard₹0.25/pt
Ready to Apply?
Apply directly on the OneCard (BOB Financial) website. Takes about 10 minutes.
