OneCard (SBM / partner banks) OneCard credit card
OneCard (SBM / partner banks)VisaLifestyle

OneCard credit card

Lifetime-free metal card with 5X points on your top two categories every month.

21
Personal score21/100● Weak fit
Recurring net savings₹1,265/yrafter fee, GST and caps · bills paid in full
First-year value₹1,265no welcome offer
Effective savings rate0.4%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Free for lifeno fee, ever
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: OneCard (SBM / partner banks) – OneCard product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹854/yr5X on your top 2 categories each month…
₹0Lifetime free
0/2lounge visits covered
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹1,265/yr · 0.4%
5X on your top 2 categories each month…on ₹85,440₹854
Base rate 0.2% on other spendson ₹2,05,200₹410
Excluded categories (no rewards)on ₹36,000₹0

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹1,265/yr is calculated
OneCard
+ Reward value on your spendat ₹0.1/OneCard Points realistic value
₹1,265
+ Annual fee incl. 18% GSTlifetime free
₹0
= Recurring net savings
₹1,265/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
0.4%

How the score of 21 is built

weights total 100% · methodology
Net savings rate8/100 × 55%4.3
Usable lounge access0/100 × 15%0.0
Redemption flexibility80/100 × 10%8.0
Lifestyle fit0/100 × 10%0.0
Simplicity80/100 × 5%4.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn0.2%value on eligible spend
⚡ Accelerated1% 5X on your top 2…
🚫 No rewards onfuelrent
🏷️ FeesLifetime free
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup1%+ GST on the markup
🔁 Redemption₹0.1/OneCard Points ★★★★☆1 point = ₹0.10, redeemed instantly in-app.
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylezero forex
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Free metal card
  • 1% forex
  • Excellent app
  • Very low earn
  • No lounge
  • Points ₹0.10

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Community Q&A on the OneCard

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the OneCard (SBM / partner banks) OneCard?

It is lifetime free – no joining or renewal fee.

Does the OneCard give airport lounge access?

No lounge access. None.

How much can I save with the OneCard?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹1,265 a year, an effective savings rate of 0.4% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the OneCard's reward exclusions and caps?

No rewards on fuel, rent. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: OneCard lounge access by airport · all OneCard (SBM / partner banks) cards · change log.