OneCard Metal

EntryLifetime free

OneCard (Federal/SBM)

Where it ranks · across all 71 cards

#44 Online shopping1.0%direct#48 Groceries1.0%direct#48 Dining out1.0%direct

Reward rules

Points valued at ₹0.1/pt - conservative, what rankings use

Base rate - everything not covered below

1 pt / ₹50= 2 pts per ₹100

0.20%

conservative value

5X on your top-2 spend categories (auto-detected monthly)

5 pts / ₹50= 10 pts per ₹100

1.00%

conservative value

Qualifier (w.e.f. 6 Jan 2025): purchases across at least 3 categories with ₹750+ in each that month; 5X credited on the 10th of next month. Education/Bills/Insurance DO earn but their 5X pool is capped at 25,000 pts total.

Source: OneCard Federal MITC + KFS (30 Apr 2026) · 2026-08-22

Earns nothing on

⊘ Rent payments earn no points (issuer T&C - categories only, no MCC codes published by OneCard).
⊘ Fuel earns nothing (effective 15 Dec 2023).
⊘ Digital wallet loads/top-ups earn nothing; money transfers and cash withdrawals too.