OneCard (Federal/SBM) · Entry · lifetime free
OneCard Metal
Where it ranks across all 187 cards
#86 Movies & events
1.0%
direct
#86 Fashion
1.0%
direct
#87 Online shopping
1.0%
direct
#87 Food delivery
1.0%
direct
#89 Groceries
1.0%
direct
#93 Dining out
1.0%
direct
#73 EMI
0.2%
direct
#88 Insurance
0.2%
direct
#93 Education
0.2%
direct
#103 Utility bills
0.2%
direct
#129 Jewellery & watches
0.2%
direct
#131 Gaming
0.2%
direct
#143 Mobile / broadband
0.2%
direct
#156 Train tickets
0.2%
direct
#162 Cabs & transit
0.2%
direct
#169 Flights
0.2%
direct
#169 Hotels
0.2%
direct
#169 Other
0.2%
direct
#170 Electronics
0.2%
direct
#170 Health & pharmacy
0.2%
direct
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Points valued at ₹0.1/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.20%base rate
1 pt / ₹50
source
Source: OneCard MITC - getonecard.app - read 20 Aug 2026
5X on your top-2 spend categories (auto-detected monthly)
1.00%this rule
5 pts / ₹50
how it works & source
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) - getonecard.app - read 22 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on3 exclusions
Rent
earns nothing
Rent payments earn no points (issuer T&C - categories only, no MCC codes published by OneCard).
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: OneCard T&C (issuer PDF, w.e.f. 5 Dec 2024) - assets.getonecard.app - read 22 Aug 2026
Fuel
earns nothing
Fuel earns nothing (effective 15 Dec 2023).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: OneCard T&C (issuer PDF, w.e.f. 5 Dec 2024) - assets.getonecard.app - read 22 Aug 2026
Wallet load
earns nothing
Digital wallet loads/top-ups earn nothing; money transfers and cash withdrawals too.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: OneCard T&C (issuer PDF, w.e.f. 5 Dec 2024) - assets.getonecard.app - read 22 Aug 2026