Federal Bank OneCard Credit Card
Issued in partnership with FPL Technologies, the Federal Bank OneCard delivers a mobile-first credit experience wrapped in a precision-engineered metal body. Issued Lifetime Free with zero annual fees, it features automatic 5X rewards on your top two monthly spending categories, a low 1.00% forex markup, and instantaneous statement credit redemptions directly in the app.
Why We Recommend The Federal Bank OneCard Credit Card
A polished metal card experience with a low 1% forex markup and transparent app management, backed by Federal Bank.
Mobile-first shoppers and credit newcomers wanting a sleek metal card with a low forex fee.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Federal Bank OneCard Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.10 (redeemable instantly against recent purchases in app) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Federal Bank OneCard Credit Card
Zero hidden costs. Complete fee schedule verified with FEDERAL Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Federal Bank OneCard Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available (Occasional promotional access depending on tier)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Federal Bank OneCard Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Subsidized 1.00% foreign exchange markup on international transactions.
Automatic 5X multiplier applied to your highest spending categories every month.
100% Lifetime Free metal form factor with seamless mobile app controls.
Pros & Cons of the Federal Bank OneCard Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Lifetime Free metal credit card with zero hidden annual charges.
- Low 1.0% forex fee makes it great for foreign subscriptions and overseas trips.
- Reward points never expire and redeem instantly against statement balances without fees.
Things to Consider (Cons)
- No airport lounge privileges included.
- Base reward rate on generic spending is modest (0.2%).
- 5X category points are capped on utilities and education categories.
Who Can Apply for the Federal Bank OneCard Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from FEDERAL Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Federal Bank OneCard Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Federal Bank OneCard Credit Card?
Check your pre-approved credit limit and instant approval eligibility across FEDERAL Bank with 100% paperless verification and zero score impact.