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HomeCredit cardsOneCardOneCard Metal Credit Card
Mid-rangeVisaLifetime free

OneCard Metal Credit Card

4.1editor Editor score 76/100Best for metal card, app-first

Lifetime free metal card with 5X rewards on your top two spend categories every month and full control in the OneCard app.

  • Lifetime free metal card
  • 5X rewards on your two highest spend categories each month
  • 1% forex markup
  • Lock/unlock, set limits and EMI from the app
Updated 13 Nov 2026
OneCardMID
•••• •••• •••• 4242
OneCard Metal Credit Card
VISA

Key facts

Joining fee
Free
Annual fee
Free
Reward rate
5X on top 2 categories · 1 RP per ₹50
Welcome benefit
None

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HDFC BankSUPER PREMIUM
•••• •••• •••• 4242
OneCard Metal Credit Card
Annual fee Free
Lounge access
None domestic
Forex markup
1%
Fuel surcharge
1% waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Premium metal feel at zero fee
  • Low forex markup
  • Best-in-class app

Watch out for

  • 1 point = ₹0.10
  • No lounge access
  • Issued by partner banks (limits vary)

Our take

Why we rate it

A great-looking free metal card with the best mobile app in the segment.

Features & benefits in detail

Rewards
Top 2 categories
5X
Other spends
1 RP per ₹50
Fees
Forex markup
1%
Joining / annual
Lifetime free

Eligibility

Minimum income
₹30,000 / month
Age
21 – 60 years
Credit score
720+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

OneCard
OneCard Metal Credit Card
Joining fee
Free
Annual fee
Free
Rewards
Up to 1.5%
Lounge
None
Forex
1%

Secure hand-off to OneCard. No OTP or PIN ever asked.

Not sure?

Answer 5 questions and see whether this is really your best match.

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

HDFC Bank Infinia Credit Card (Metal)
VISA
HDHDFC Bank

HDFC Bank Infinia Credit Card (Metal)

4.8editor

Best for ultra-premium invite-only

5 points per ₹150 (3.33% back) with 1:1 flight/hotel redemption, unlimited lounge access worldwide and ITC hotel privileges.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 3.3%
Lounge Unlimited 2% forex
Details
Axis BankSUPER PREMIUM
•••• •••• •••• 4242
Axis Bank Magnus Credit Card
AXAxis Bank

Axis Bank Magnus Credit Card

4.4editor

Best for luxury travel transfers

12 EDGE points per ₹200, 35,000 bonus points at ₹1.5L monthly spends, unlimited lounges and 5:2 transfers to airline partners.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 2.4%
Lounge Unlimited 2% forex
Details
Editor's pick
HDFC BankPREMIUM
•••• •••• •••• 4242
HDFC Regalia Gold Credit Card
VISA
HDHDFC Bank

HDFC Regalia Gold Credit Card

4.5editor

Best for premium travel & lifestyle

4 points per ₹150, 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital, 12 domestic + 6 international lounge visits.

Joining
₹2,500 + GST
Annual
₹2,500 + GST
Rewards
Up to 2.7%
Lounge 12 / yr 2% forex Fuel waiver
Details
Editor's pick
ICICI Bank
•••• •••• •••• 4242
Amazon Pay ICICI Credit Card
VISA
ICICICI Bank

Amazon Pay ICICI Credit Card

4.5editor

Best for amazon prime members

Lifetime free card with 5% back for Prime members on Amazon, 2% on Amazon Pay partners and 1% everywhere else.

Joining
Free
Annual
Free
Rewards
Up to 3%
Lifetime free Fuel waiver
Details