OneCard (Federal Bank) Review 2026 — Fees, Rewards & Eligibility
Issuer: Federal Bank
Network: Visa | Tier: Entry
Metal card rewards
Why Choose the OneCard (Federal Bank)?
The OneCard (Federal Bank) is a Entry-tier Visa credit card issued by Federal Bank, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Young users. With a reward rate of Points and an annual fee of NIL, it ranks among the popular Co-branded cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
OneCard (Federal Bank) Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
OneCard (Federal Bank) Rewards & Benefits
| Reward Rate | Points |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Young users |
Key Highlights of the OneCard (Federal Bank)
- Metal card rewards
- Points
OneCard (Federal Bank) Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 750+
- Minimum income: ₹3
- 00
- 000/year
Minimum Income Required: ₹3,00,000/year
Advantages of the OneCard (Federal Bank)
- Modern UX
Drawbacks of the OneCard (Federal Bank)
- Basic rewards
OneCard (Federal Bank) — Frequently Asked Questions
What is the annual fee of the OneCard (Federal Bank)?
The OneCard (Federal Bank) has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the OneCard (Federal Bank) offer airport lounge access?
No, the OneCard (Federal Bank) does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the OneCard (Federal Bank)?
The minimum income requirement is ₹3,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the OneCard (Federal Bank)?
The OneCard (Federal Bank) earns Points. It is best suited for Young users.
Credit Cards Similar to the OneCard (Federal Bank)
If you are considering the OneCard (Federal Bank), these co-branded credit cards are worth comparing before you apply:
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 annual fee
- Vistara Signature Credit Card by Axis Bank — rated 4.6/5, ₹3,000 annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
Expert Rating: 4.5/5