Ideal User for this Card: Shoppers who value 24K digital gold rewards that can appreciate over time, frequent Uni Store users, international spenders seeking zero forex markup, and anyone looking for a completely free credit card with simple everyday rewards.
Key Takeaways
Best for: Users who want gold rewards instead of traditional points/cashback and shop via Uni Store
Top Benefit: 1% back as 24K Digital Gold on all eligible spends + higher value via Uni Store (up to 7–8%)
Annual Fee: ₹0 (Lifetime Free – no minimum spends required)
Standout Feature: Zero forex markup + unique gold-backed rewards that can grow in value
Verdict: Excellent lifetime-free option if you like the idea of earning real gold and use Uni Store regularly
2. Fees & Charges
Fee Type
Details
Joining Fee
₹0 (Nil)
Annual / Renewal Fee
₹0 (Lifetime Free – no spend conditions)
Forex Markup Fee
0% (Zero forex markup on international transactions)
Finance Charges (Interest)
Approximately 3.99% per month (around 47.88% per annum) on revolving credit
Reward Redemption Fee
₹0 (Nil)
Fuel surcharge waiver up to ₹500 per billing cycle. Late payment and other charges follow the partner bank’s standard slabs. Interest-free period is typically up to 45–50 days when the full amount is paid.
3. Cashback, Rewards & Discounts
★
Base Reward: 1% back as 24K Digital Gold on all eligible spends (including UPI, POS and online transactions on the RuPay variant).
★
Uni Store Accelerated Rewards: Higher value when you shop or redeem via Uni Store – up to 5–8% on popular brands (Amazon, Flipkart, Swiggy, Zomato, Myntra etc.), 50% back on PVR/INOX movie tickets (capped), and unlimited 7% back on flight bookings.
★
Gold Conversion: Rewards convert to 24K Digital Gold (powered by partners like Augmont). You can hold the gold, watch it appreciate, or convert it later into cash or physical gold.
★
Hotel Bookings: Attractive back rates (around 10% in some offers) when booked through Uni Store.
★
No Complicated Points: Simple percentage-based gold rewards instead of complex reward-point systems.
4. Travel Benefits
✈
Zero Forex Markup: 0% foreign currency markup on international transactions in 180+ countries – a rare feature on a lifetime-free card.
✈
Flight Bookings via Uni Store: Unlimited 7% back on domestic and international flight bookings made through Uni Store.
✈
Airport Lounge Access: No complimentary domestic or international lounge access is currently offered.
✈
Travel Insurance: No standard complimentary travel or purchase protection insurance package is highlighted as a core benefit.
5. Other Lifestyle & Special Perks
♦
Fuel Surcharge Waiver: Up to ₹500 waived every billing cycle on eligible fuel transactions.
♦
Dual Network Cards: Physical Visa/Mastercard for global acceptance + virtual RuPay card for seamless UPI payments.
♦
Uni Store Ecosystem: Exclusive higher rewards, vouchers and deals available only inside the Uni app/store.
♦
Full Digital Control: View card details, set limits, freeze/unfreeze, reset PIN and track gold rewards – all inside the Uni app.
♦
Add-on Cards: Up to 3 supplementary cards available at no extra cost in most cases.
♦
Movie Benefits: High cashback (up to 50%, subject to monthly caps) on PVR and INOX tickets via Uni Store.
6. Eligibility Criteria
✓
Age: Typically 21–60 years (some partners accept from 18+)
✓
Income: Minimum monthly income around ₹25,000 or annual ITR of ₹7.5 lakh and above (varies by partner bank)
✓
Credit Score: CIBIL 700–750+ preferred for better approval chances and higher limits
✓
Employment: Salaried and self-employed individuals are eligible
✓
Residency: Indian resident with valid PAN and Aadhaar
7. Drawbacks & Cons
!
Rewards Linked to Uni Store: Highest value (5–8%, 50% movies, 7% flights) requires shopping or redeeming through the Uni Store ecosystem.
!
No Lounge Access: Zero complimentary airport lounge visits.
!
Gold Management: Digital gold needs active tracking and conversion decisions; it is not automatic cashback.
!
Partner Variation: Exact benefits, network (Visa/Mastercard/RuPay mix) and secondary charges can differ slightly by issuing bank.
!
Previous Models: Older “Pay 1/3rd” interest-free split features have been largely discontinued on the current GoldX offering.
8. Similar & Alternative Cards
↔
Scapia Credit Card: Strong zero-forex + lounge access and travel focus. Uni GoldX wins on lifetime-free status and unique gold rewards.
↔
OneCard Metal: Excellent app experience and metal card feel. Uni offers gold rewards and zero forex that OneCard does not match at the free tier.
↔
SBI Cashback or Amazon Pay ICICI: Simpler percentage cashback on online spends. Uni is better if you prefer gold that can appreciate and Uni Store deals.
Download the official Uni app from Google Play Store or Apple App Store (or visit uni.cards).
Sign up with your mobile number and complete basic profile details.
Check eligibility for the GoldX card and start the digital application.
Complete e-KYC / video KYC using Aadhaar and PAN.
On approval, activate the instant virtual card and start earning 24K gold rewards while the physical card (if applicable) is delivered.
Documents Required:
📄
Identity Proof: PAN Card + Aadhaar (linked to mobile)
📄
Address Proof: Aadhaar or other accepted documents
📄
Income Proof: Salary slips / bank statements or ITR (as requested by the partner bank)
📄
Selfie / Photo: Required for digital KYC verification
11. Safety & Fraud Prevention Tips
🔒
OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone.
🔒
Safe Links: Always use verified and secure channels to avoid any online fraud.
🔒
App Controls: Use the Uni app to lock/unlock the card, set transaction limits and monitor gold rewards in real time.
🔒
Official Channels Only: Apply only through the official Uni app or website (uni.cards). Avoid third-party agents promising guaranteed approval.
12. Should You Get This Card? (Final Verdict)
Pros Summary: Best suited for users who like the idea of earning real 24K digital gold, want zero forex markup, and are willing to use the Uni Store for higher rewards on shopping, movies and flights.
Final Conclusion: The Uni GoldX Credit Card stands out in 2026 as a genuinely lifetime-free product with a unique gold-backed reward system and rare zero-forex benefit. If you value gold that can appreciate and already shop or book travel through platforms that integrate with Uni Store, it is a strong contender. For pure cashback seekers or heavy lounge users, other cards may deliver more immediate utility. Overall, a solid recommendation for the right spending profile.
13. Frequently Asked Questions (FAQs)
Q: Can this card be obtained as Lifetime Free?
A: Yes. The Uni GoldX Credit Card has ₹0 joining fee and ₹0 annual fee for life with no minimum spend requirements.
Q: How do the gold rewards work?
A: You earn 1% (or higher via Uni Store) as 24K Digital Gold. The gold is held digitally, can appreciate with market prices, and can later be converted to cash or physical gold.
Q: Is the forex markup really zero?
A: Yes. The card offers 0% foreign currency markup on international transactions.
Q: Do I get both Visa/Mastercard and RuPay cards?
A: Most variants provide a dual-network setup – a physical Visa or Mastercard plus a virtual RuPay card for UPI.
Q: Is there airport lounge access?
A: No complimentary lounge access is currently offered with the GoldX card.
Q: What is the minimum income required?
A: Typically around ₹25,000 per month or an annual ITR of ₹7.5 lakh and above, depending on the partner bank.
Q: Can I earn rewards on UPI payments?
A: Yes. The RuPay variant allows 1% gold rewards on eligible UPI transactions.
Q: How do I get higher rewards on Amazon or flights?
A: Shop or book through the Uni Store inside the Uni app to unlock accelerated rates (5–8% on brands, unlimited 7% on flights).
Q: Is there a fuel surcharge waiver?
A: Yes. Up to ₹500 per billing cycle is waived on eligible fuel transactions.
Q: Which bank will issue my card?
A: Uni partners with different banks (BOBCARD, SBM, etc.). The exact issuer is assigned based on your profile during the application process.
14. Expert Help & Next Steps
Still Confused? Not sure if this credit card is the right choice for your spending habits?
₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.
Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes.
Credit card fees, interest rates, and terms & conditions (T&C) are subject to change by respective banks over time.
Always check the official website of the relevant bank to review all rules thoroughly before applying for any card.
We are not responsible for any financial losses or approved/rejected applications.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
Card Name: Kiwi Credit Card (also known as YES Bank Klick / AU Kosmo / PNB Kiwi RuPay Credit Card)
•
Issuer Bank: Primarily YES Bank (Klick); also issued via AU Small Finance Bank and Punjab National Bank through the Kiwi app
•
Card Network: RuPay (fully virtual, UPI-enabled for Scan & Pay)
•
Card Type: Lifetime-Free UPI Cashback Credit Card
•
Ideal User for this Card: Heavy UPI Scan & Pay users who make frequent QR-code payments for groceries, food, local shops and daily expenses and want real cashback credited to their bank account with zero joining or annual fees.
Key Takeaways
Best for: Everyday UPI spenders who prefer Scan & Pay over traditional card swipes
Top Benefit: 1.5% cashback on UPI Scan & Pay (up to 5% with optional Kiwi Neon membership)
Annual Fee: ₹0 (Lifetime Free – no spend conditions)
Standout Feature: Real cashback transferred directly to your bank account + optional Neon milestones with lounge access
Verdict: One of the strongest lifetime-free UPI cashback cards in 2026 for high-frequency Scan & Pay users
2. Fees & Charges
Fee Type
Details
Joining Fee
₹0 (Nil)
Annual / Renewal Fee
₹0 (Lifetime Free – no conditions)
Forex Markup Fee
Approximately 2.75% on foreign currency transactions
Finance Charges (Interest)
Around 3.6%–3.99% per month (approximately 43–48% per annum) after interest-free period
Reward Redemption Fee
₹0 (Nil – cashback goes directly to bank account)
Optional Kiwi Neon membership costs ₹999 + GST per year for higher cashback and lounge benefits. Late payment and other bank-specific charges apply as per the issuing partner’s MITC. Interest-free period is typically up to 45–50 days.
3. Cashback, Rewards & Discounts
★
Base Cashback (Free Card): 1.5% on eligible UPI Scan & Pay (QR) transactions and 0.5% on eligible online spends made through the Kiwi app.
★
Kiwi Neon (Paid Membership – ₹999 + GST/year): Base rate rises to 2% on Scan & Pay. Milestone rewards unlock higher effective rates: 3% at ₹50,000 annual eligible spend, 4% at ₹1 lakh, and 5% at ₹1.5 lakh (milestones calculated net of earlier cashback).
★
Reward Currency: Earned as “Kiwis” (4 Kiwis = ₹1). Cashback is transferred directly to your linked bank account – no points catalogue or vouchers.
★
Monthly Cap: Base cashback is typically capped at 1% of your assigned credit limit per month (Neon milestones may have different treatment).
★
Exclusions: Fuel, utilities, telecom, rent, insurance, education, government payments, jewellery and certain other MCC categories usually do not earn cashback.
★
Non-UPI Spends: Some partner variants also give 2 reward points per ₹200 on non-UPI transactions.
4. Travel Benefits
✈
Airport Lounge Access: Up to 3 complimentary domestic lounge visits per year for Kiwi Neon members after hitting the ₹50,000 / ₹1 lakh / ₹1.5 lakh eligible spend milestones (1 pass per milestone).
✈
Forex Markup: Approximately 2.75% – lower than many traditional cards but not zero.
✈
Travel Insurance: No standard complimentary travel or purchase protection insurance is offered as a core benefit.
✈
International Acceptance: RuPay network acceptance is limited compared with Visa/Mastercard; primarily useful domestically via UPI.
5. Other Lifestyle & Special Perks
♦
100% Virtual Card: Instant digital card – no physical plastic in most partner variants. Manage everything inside the Kiwi app.
♦
No-Cost EMI: Split eligible transactions (usually ₹1,500+) into interest-free instalments with the interest component returned as cashback/wallet credit.
♦
Fuel Surcharge Waiver: 1% waiver on eligible fuel spends (typically ₹500–₹4,000 range), capped around ₹250 per statement cycle (partner-dependent).
♦
Brand Offers: Rotating discounts and gift-card deals on popular brands available inside the Kiwi app.
♦
Credit Score Building: Regular usage and timely repayment help build or improve your CIBIL score.
♦
Fully Digital Onboarding: Apply, get approved and start using the virtual card within minutes via the Kiwi app.
6. Eligibility Criteria
✓
Age: Typically 21–60 years (partner bank dependent)
✓
Income: No strict published high minimum; underwriting is flexible and based on credit profile and bank assessment
✓
Credit Score: CIBIL 750+ preferred for smoother approval, though thin-file applicants may also be considered
✓
Employment: Salaried, self-employed and other eligible profiles accepted by the partner bank
✓
Residency: Indian resident with valid PAN and Aadhaar
✓
Note: Existing credit card holders of the same partner bank may face restrictions in some cases
7. Drawbacks & Cons
!
Higher Cashback Needs Neon: Base 1.5% is good but the advertised “up to 5%” requires the paid Neon membership and high annual eligible spends.
!
Category Exclusions: Many everyday categories (utilities, fuel, rent, insurance, education, government) do not earn cashback.
!
Virtual-Only Card: Most variants issue only a virtual card – no physical plastic for POS use outside UPI.
!
Monthly Cap: Base cashback is capped at roughly 1% of your credit limit, limiting earnings for high spenders without Neon.
!
Partner Variation: Exact fees, limits and secondary benefits can differ slightly between YES Bank, AU and PNB variants.
8. Similar & Alternative Cards
↔
Slice UPI Credit Card: Another strong lifetime-free UPI option with “up to 3%” cashback and Slice-in-3 EMI. Kiwi generally offers clearer milestone path to 5% with Neon and direct bank-account cashback.
↔
OneCard or Scapia: Better for metal feel, zero-forex or travel perks. Kiwi wins purely on UPI Scan & Pay cashback convenience.
↔
SBI Cashback or Amazon Pay ICICI: Stronger for online shopping. Kiwi is superior if the majority of your spends are offline QR/UPI payments.
Download the official Kiwi app from Google Play Store or Apple App Store (or visit gokiwi.in).
Sign up with your mobile number and complete basic personal details.
Check eligibility and choose the available partner bank offer (YES Bank / AU / PNB).
Complete digital KYC (Aadhaar e-KYC or video KYC) and submit the application.
On approval, your virtual RuPay credit card is issued instantly inside the app – start linking it to UPI and earning cashback immediately.
Documents Required:
📄
Identity Proof: PAN Card + Aadhaar linked to mobile number
📄
Address Proof: Aadhaar or other accepted digital verification
📄
Selfie / Photo: Required for video or e-KYC
📄
Income Proof: May be requested by the partner bank depending on the underwriting decision
11. Safety & Fraud Prevention Tips
🔒
OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone.
🔒
Safe Links: Always use verified and secure channels to avoid any online fraud.
🔒
App Controls: Use the Kiwi app to monitor spends, set limits and manage your virtual card in real time.
🔒
Official Channels Only: Apply only through the official Kiwi app or website (gokiwi.in). Avoid third-party agents promising guaranteed approval.
12. Should You Get This Card? (Final Verdict)
Pros Summary: Perfect for users whose daily spending happens via UPI Scan & Pay. The lifetime-free nature, real cashback to bank account, and clear path to 5% via Neon make it highly attractive for high-frequency QR users.
Final Conclusion: The Kiwi Credit Card is one of the best pure UPI cashback products available in India in 2026. If you already make most of your payments by scanning QR codes, this card can meaningfully increase your effective returns with almost zero effort. For users with low UPI volume or those who prefer physical cards and broader category rewards, other options may be more suitable. Overall, highly recommended for the right spending profile.
13. Frequently Asked Questions (FAQs)
Q: Can this card be obtained as Lifetime Free?
A: Yes. The Kiwi Credit Card (across partner banks) has ₹0 joining fee and ₹0 annual fee for life with no spend conditions.
Q: How much cashback do I get without Neon?
A: 1.5% on eligible UPI Scan & Pay transactions and 0.5% on eligible online spends made through the Kiwi app.
Q: Is Kiwi Neon worth the ₹999 fee?
A: It becomes worthwhile once your annual eligible UPI spends approach or exceed ₹50,000–₹1.5 lakh, unlocking higher effective rates (up to 5%) and lounge passes. Calculate based on your own monthly UPI volume.
Q: How is cashback paid?
A: Cashback is earned as Kiwis (4 Kiwis = ₹1) and transferred directly to your linked bank account – real money, not vouchers.
Q: Does the card work on any UPI QR code?
A: Yes. Once linked, you can scan and pay at any merchant QR code that accepts RuPay credit on UPI.
Q: Is there a physical card?
A: Most variants are 100% virtual. A physical card is generally not issued (exceptions may exist with certain partners).
Q: What is the minimum spend for cashback?
A: Cashback is typically calculated on complete ₹100 blocks within eligible transactions.
Q: Can I get lounge access?
A: Only with the optional Kiwi Neon membership after hitting the annual spend milestones (up to 3 domestic visits).
Q: Which bank will issue my card?
A: The Kiwi app assigns a partner bank (YES Bank, AU or PNB) based on your profile and location at the time of application.
Q: Are there category exclusions?
A: Yes. Fuel, utilities, telecom, rent, insurance, education, government payments and several other categories usually do not earn cashback.
14. Expert Help & Next Steps
Still Confused? Not sure if this credit card is the right choice for your spending habits?
₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.
Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes.
Credit card fees, interest rates, and terms & conditions (T&C) are subject to change by respective banks over time.
Always check the official website of the relevant bank to review all rules thoroughly before applying for any card.
We are not responsible for any financial losses or approved/rejected applications.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
Ideal User for this Card: Frequent domestic travellers, international spenders who want zero forex markup, and anyone who books flights, hotels, trains or buses regularly and can maintain around ₹20,000 monthly spends to unlock unlimited domestic lounge access and airport privileges.
Key Takeaways
Best for: Travellers seeking zero forex, unlimited domestic lounges and high-value travel rewards without any annual fee
Top Benefit: 0% forex markup on all international transactions combined with lifetime-free status
Standout Feature: Unlimited domestic airport lounge access + up to ₹1,000 airport dining/shopping/spa back after ₹20,000 monthly spend
Verdict: One of India’s strongest lifetime-free travel cards in 2026 for users who travel often and can meet the modest monthly spend threshold
2. Fees & Charges
Fee Type
Details
Joining Fee
₹0 (Nil)
Annual / Renewal Fee
₹0 (Lifetime Free – no conditions)
Forex Markup Fee
0% (Nil) on Visa variant international transactions
Finance Charges (Interest)
Approximately 3.75% per month (45% per annum) on unpaid balances after the interest-free period
Reward Redemption Fee
₹0 (Nil)
Other charges: Cash advance/ATM withdrawal 2.5% (minimum ₹500), late payment charges tiered from ₹0 to ₹1,000+ depending on outstanding amount, card replacement around ₹200 + GST. Interest-free period up to 48 days. GST applicable on all fees and interest.
3. Cashback, Rewards & Discounts
★
Base Earn Rate (Visa): 10 Scapia Coins per ₹100 spent on eligible online and offline spends (effective ≈2% when redeemed for travel).
★
Travel Bookings on Scapia App: 20 Scapia Coins per ₹100 (effective ≈4%) on flights, hotels, trains, buses and experiences booked inside the Scapia app.
★
RuPay / UPI Spends: 5 Scapia Coins per ₹100 on UPI and RuPay transactions of ₹500 or more (effective ≈1%).
★
Coin Value: 5 Scapia Coins = ₹1. You can redeem up to 100% of the booking value using coins on the Scapia app with no blackout dates or caps.
★
Excluded Categories: Typically rent, education, fuel, wallet loads, government payments, insurance and utility bills (check latest app for exact list – some exclusions updated in 2026).
★
Redemption: Coins convert on statement date and are used only within the Scapia app for travel bookings or selected experiences/products. No statement credit or cash withdrawal option.
4. Travel Benefits
✈
Zero Forex Markup: 0% foreign currency markup on all international spends on the Visa card – one of the biggest advantages for overseas travel and foreign online purchases.
✈
Unlimited Domestic Lounge Access: Unlocks when you spend ₹20,000 or more in a calendar/billing month (combined across Visa + RuPay cards). Once unlocked, unlimited visits at participating domestic airport lounges for the following period.
✈
Airport Privileges: After meeting the ₹20,000 spend threshold you can choose lounge access or get up to ₹1,000 back in Scapia Coins on eligible airport dining, shopping or spa at 100+ airports.
✈
International Airport Benefits: Up to ₹2,000 back in rewards on duty-free shopping or dining at international terminals in India when you book qualifying international flights (typically ₹40,000+) via the Scapia app (effective from early 2026 updates).
✈
No-Cost EMI on Travel: Convert Scapia app travel bookings into easy EMIs with no extra interest or processing charges (subject to availability).
✈
Insurance & Other: No standard complimentary travel insurance package is highlighted; benefits focus on lounges, forex and rewards.
5. Other Lifestyle & Special Perks
♦
Complimentary RuPay Card: Dual-line setup – Visa for international/acceptance and RuPay for seamless UPI credit payments and additional coin earnings.
♦
Scapia App Ecosystem: Book flights (global airlines), hotels (5 lakh+ stays), trains, buses (1,000+ operators) and experiences entirely inside the app with best-price focus and FlexiFly cancellation options.
♦
Add-on Cards: Up to 3 family members can get add-on cards with the same benefits at no extra joining or annual fee.
♦
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions up to ₹5,000 (typical limit; confirm current terms).
♦
Real-time Card Controls: Manage limits, lock/unlock, enable/disable channels directly from the Scapia app.
♦
Instant Virtual Card: Activate and start using the virtual card immediately after approval while the physical card is delivered.
6. Eligibility Criteria
✓
Age: Typically 21 to 60/65 years (slight variation by issuer partner)
✓
Income: Approximate minimum monthly income ₹25,000–₹35,000 for salaried or annual income around ₹3–5 Lakh for self-employed (partner bank dependent)
✓
Credit Score: CIBIL / CRIF score of 720+ strongly preferred for smooth approval
✓
Employment: Both salaried and self-employed Indian residents are eligible
✓
Important Note: Existing Federal Bank or BOBCARD credit card holders may face restrictions or need to close the existing card first before applying
✓
Residency: Indian resident with valid PAN and Aadhaar
7. Drawbacks & Cons
!
Closed-Loop Rewards: Scapia Coins can only be redeemed inside the Scapia app for travel – no cash, statement credit or transfer to airline/hotel programs.
!
Monthly Spend Gate for Lounges: Unlimited domestic lounge and airport privileges require ₹20,000 combined monthly spend (raised from earlier lower thresholds in 2026).
!
No International Lounge Access: Benefits are limited to domestic Indian airports; no Priority Pass or international lounge network.
!
Category Exclusions: Several everyday categories (utilities, insurance, fuel in some cases, rent, education) earn zero coins and may not count toward the lounge spend milestone.
!
Issuer Restrictions: You generally cannot hold another Federal Bank or BOBCARD credit card simultaneously.
!
App Dependency: Maximum value is unlocked only when you book travel through the Scapia app.
8. Similar & Alternative Cards
↔
OneCard Metal Credit Card: Also lifetime-free metal card with strong app control and low 1% forex. Better pure everyday rewards flexibility; Scapia wins on zero forex and lounge access.
↔
IDFC FIRST Wealth / Select: Stronger overall rewards and some railway lounge benefits, but usually carries an annual fee or higher income bar compared with Scapia’s pure zero-fee structure.
↔
Axis Atlas or HDFC Infinia / Regalia Gold: Superior transferable miles and international lounge networks, but significantly higher annual fees – Scapia is the clear winner if you want travel perks at zero cost.
Download the official Scapia app from Google Play Store or Apple App Store (or visit scapia.cards).
Sign up with your mobile number and complete basic personal details including PAN and income information.
Complete digital KYC using Aadhaar (e-KYC or video KYC as prompted) and provide consent for bureau check.
Submit the application – eligibility and provisional limit are usually shown within minutes.
On approval, activate the instant virtual card in the app and start using it. Physical card is delivered in a few business days.
Documents Required:
📄
Identity Proof: PAN Card (mandatory) + Aadhaar linked to mobile number
📄
Address Proof: Aadhaar or other accepted digital address verification
📄
Income Proof: Recent salary slips / bank statements (salaried) or ITR (self-employed) – often pulled digitally via account aggregator
📄
Selfie / Photo: Required for video or digital KYC verification
11. Safety & Fraud Prevention Tips
🔒
OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone.
🔒
Safe Links: Always use verified and secure channels to avoid any online fraud.
🔒
App Controls: Use the Scapia app to instantly lock the card, set spend limits or disable international usage if you notice any suspicious activity.
🔒
Official Channels Only: Apply only through the official Scapia app or website (scapia.cards). Avoid third-party agents promising guaranteed approval.
12. Should You Get This Card? (Final Verdict)
Pros Summary: Perfect for frequent domestic travellers and anyone who values zero forex markup, unlimited lounge access (after modest monthly spend) and meaningful travel rewards – all without paying a single rupee in annual fees.
Final Conclusion: In 2026 the Scapia Credit Card remains one of the best pure lifetime-free travel cards available in India. If you travel several times a year, book through the Scapia app, and can comfortably hit around ₹20,000 monthly spends, this card delivers exceptional value. If you prefer transferable miles, international lounges or pure cashback without app dependency, look at paid premium alternatives. For most mid-to-frequent travellers, Scapia is highly recommended.
13. Frequently Asked Questions (FAQs)
Q: Can this card be obtained as Lifetime Free?
A: Yes. The Scapia Credit Card has ₹0 joining fee and ₹0 annual fee for life with no spend-based conditions.
Q: What is the forex markup on Scapia Credit Card?
A: 0% (Nil) on the Visa variant for all international transactions – one of the strongest features of the card.
Q: How do I unlock unlimited domestic lounge access?
A: Spend ₹20,000 or more in a calendar/billing month across your Visa and RuPay Scapia cards combined. Once unlocked, you get unlimited domestic lounge access (and airport privilege options) for the following period.
Q: What is the value of Scapia Coins?
A: 5 Scapia Coins = ₹1. Coins can be used to pay up to 100% of travel bookings made inside the Scapia app.
Q: Can I redeem Scapia Coins as cash or statement credit?
A: No. Coins are closed-loop and can only be redeemed for travel bookings and selected experiences/products within the Scapia app.
Q: Is there a complimentary RuPay card?
A: Yes. You receive a complementary RuPay credit card that supports UPI payments and earns coins on eligible UPI spends of ₹500+.
Q: What is the minimum income required?
A: Roughly ₹25,000–₹35,000 monthly for salaried applicants or equivalent annual income for self-employed, subject to the issuing bank’s underwriting.
Q: Can existing Federal Bank cardholders apply?
A: Existing Federal Bank or BOBCARD credit card holders are generally not eligible and may need to close the existing card first.
Q: Do utility bills and insurance earn rewards?
A: As of 2026 updates, utility payments and insurance premiums typically do not earn Scapia Coins and may not count toward the lounge spend milestone. Always check the latest exclusions in the app.
Q: How long does physical card delivery take?
A: Virtual card is available instantly on approval. Physical card is usually delivered within 2–7 business days depending on location.
14. Expert Help & Next Steps
Still Confused? Not sure if this credit card is the right choice for your spending habits?
₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.
Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes.
Credit card fees, interest rates, and terms & conditions (T&C) are subject to change by respective banks over time.
Always check the official website of the relevant bank to review all rules thoroughly before applying for any card.
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One Credit Card Review 2026: Complete Information, Fees, Benefits, and Drawbacks
Published: September 21, 2026By Credit Card Path Editorial
One Credit Card Review 2026: Complete Information, Fees, Benefits, and DrawbacksEstimated reading time: 10–12 minutes
1. Brief Introduction (Card Overview)
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Card Name: One Credit Card (OneCard Metal Credit Card)
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Issuer Bank: Co-branded with partner banks including SBM Bank, Federal Bank, CSB Bank, BOBCARD (Bank of Baroda), Indian Bank and South Indian Bank
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Card Network: Visa / Mastercard / RuPay (depending on partner bank)
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Card Type: Lifetime-free Metal Rewards & Lifestyle Credit Card
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Ideal User for this Card: Digital-first Indians who want a premium metal card with zero fees, strong app control, low forex markup for international spends, and accelerated rewards on their top two monthly spending categories. Also suitable for credit beginners via the FD-backed option.
Key Takeaways
Best for: Everyday spenders, international travellers seeking low forex, and users who value a sleek metal card with full app-based control
Top Benefit: Truly lifetime-free (₹0 joining + ₹0 annual fee) 16-gram metal card with 1% forex markup
Annual Fee: ₹0 (Lifetime Free – no waiver conditions required)
Standout Feature: 5X reward points automatically on your top 2 spend categories every month + powerful OneCard app
Verdict: Excellent no-cost metal card for app-first users and forex spenders; rewards value is modest at base rate but solid when concentrated in two categories
2. Fees & Charges
Fee Type
Details
Joining Fee
₹0 (Nil) for primary and add-on cardholders
Annual / Renewal Fee
₹0 (Nil) – truly lifetime free with no spend-based waiver needed
Forex Markup Fee
1% of the transaction amount (plus applicable GST) – among the lowest in India
Finance Charges (Interest)
Up to 3.75% per month (approximately 45% per annum) on unpaid dues after interest-free period
Reward Redemption Fee
₹0 (Nil) – free unlimited redemptions
Other notable charges: Cash advance fee 2.5% (min ₹300), over-limit fee 2.5% (min ₹400–₹500), metal card replacement ₹3,000, late payment charges ranging from ₹0 to ₹1,250 depending on outstanding amount. Interest-free period up to 48 days.
3. Cashback, Rewards & Discounts
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Base Reward Rate: 1 Reward Point (RP) for every ₹50 spent (approximately 0.2% effective value). Fractional points are awarded for smaller spends.
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5X Accelerated Rewards: Automatically earn 5 RP for every ₹50 on your top 2 spending categories every month (≈1% effective value). Categories are auto-detected; no manual selection required.
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Point Value: 1 RP = ₹0.10 when redeemed as statement credit / cashback via the app (swipe right to redeem against recent transactions).
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Point Expiry: Points do not expire as long as the card remains active (inactivity beyond 365 days may lead to expiry in some partner terms).
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Redemption: Instant and free – no minimum threshold, no redemption fee. Redeem against recent transactions or as statement credit directly in the OneCard app.
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Fuel Surcharge Waiver: 1% fuel surcharge waived, capped at ₹400 per calendar month on fuel transactions.
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In-App Offers: Rotating merchant offers and “Offers Around You” for additional cashback or discounts on dining, shopping, and local spends.
4. Travel Benefits
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Forex Markup: Just 1% (plus GST) – one of the lowest among lifetime-free cards in India, making it excellent for international spends and online foreign-currency purchases.
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Airport Lounge Access: No complimentary domestic or international airport lounge access is offered on the One Credit Card.
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Travel Insurance: No standard complimentary air accident, medical, or baggage insurance benefits are provided.
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Global Acceptance: Accepted worldwide wherever Visa, Mastercard or RuPay is accepted. Instant virtual card available for online international bookings.
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Partner Offers: Occasional discounts on flight and hotel bookings via in-app or partner platforms (subject to change).
5. Other Lifestyle & Special Perks
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Premium 16-gram Metal Card: Exquisitely crafted metal body with name engraving for a premium feel at zero cost.
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Powerful OneCard App: Full control – lock/unlock card, set transaction limits, enable/disable domestic/international/online/contactless usage, real-time tracking, and EMI conversion.
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Instant Virtual Card: Activate and start using the virtual card the same day of approval while the physical metal card is delivered (usually 5–7 days).
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MyFamily Feature: Share your credit limit with up to 5 family members. Each gets their own card and app while you retain full tracking and control.
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Easy EMI: Convert purchases of ₹2,500 and above into EMIs directly from the app with flexible tenures. Processing fee and foreclosure charges apply as per partner bank.
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UPI Integration: RuPay variant supports seamless UPI payments by linking the credit card.
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FD-Backed Option: Available for those with limited or no credit history – create an FD (typically ₹5,000+) with a partner bank and get a credit limit up to 100% of the FD amount.
6. Eligibility Criteria
✓
Age: Minimum 18 years (typically up to 60–65 years depending on partner bank)
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Nationality & Residency: Indian resident with valid government ID (Aadhaar + PAN linked to mobile number preferred)
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Credit Score: 750+ significantly improves chances for the unsecured metal card. Lower scores or no history can opt for FD-backed version.
✓
Income: No fixed minimum published for the unsecured card (partner-bank dependent). FD-backed has no income proof requirement.
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Location: Metal card available in 67+ cities. FD-backed option available in 100+ locations across India.
✓
Employment: Both salaried and self-employed individuals are eligible.
7. Drawbacks & Cons
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Modest Base Rewards: Effective 0.2% on regular spends is lower than many cashback or rewards cards. Value shines mainly on the two accelerated categories.
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No Lounge Access: Zero complimentary domestic or international airport lounge visits.
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No Travel Insurance: Lacks purchase protection, air accident cover, or medical insurance that premium cards usually provide.
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High Metal Replacement Cost: ₹3,000 for metal card re-issuance (plastic replacements are cheaper).
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Partner Bank Variation: Credit limit, exact MITC terms, and grievance process depend on the assigned issuing bank.
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Customer Support Feedback: Some users report slower resolution times compared to traditional bank cards; primarily app-driven support.
8. Similar & Alternative Cards
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Scapia Federal Bank Credit Card: Also lifetime-free metal card focused on travel. Better for lounge access and travel coins, while OneCard wins on pure app simplicity and lower forex for non-travel heavy users.
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IDFC FIRST Millennia / Select: Strong rewards multipliers and railway lounge options. Slightly higher complexity but better overall earn rates for high spenders.
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Amazon Pay ICICI Credit Card: Excellent for Amazon and partner spends with higher cashback rates. No metal body or ultra-low forex, but superior everyday cashback value.
Download the official OneCard app from Google Play Store or Apple App Store.
Sign up with your mobile number and complete basic details (name, PAN, email, address).
Complete digital KYC using Aadhaar (video KYC or e-KYC as prompted).
Select preferred partner bank if options are shown and submit the application.
On approval, activate the instant virtual card in the app and start using it while the physical metal card is delivered to your address.
Documents Required:
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Identity Proof: PAN Card (mandatory) + Aadhaar linked to mobile number
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Address Proof: Aadhaar, passport, utility bill, or any government-issued address document
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Income Proof: Usually not required for digital onboarding; may be requested by some partner banks for higher limits
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For FD-backed: Fixed Deposit confirmation with the partner bank (minimum amounts start from ₹5,000; metal typically requires higher FD)
11. Safety & Fraud Prevention Tips
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OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone.
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Safe Links: Always use verified and secure channels to avoid any online fraud.
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App Controls: Use the OneCard app to instantly lock the card, set spend limits, or disable international/online usage if you suspect any issue.
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Official Channels Only: Apply only through the official OneCard app or website (getonecard.app). Avoid third-party agents promising guaranteed approval.
12. Should You Get This Card? (Final Verdict)
Pros Summary: Best suited for users who want a premium metal feel without any annual fee, value low 1% forex for international or online foreign spends, prefer full digital control via a highly rated app, and can concentrate spending in two main categories to maximise the 5X rewards.
Final Conclusion: The One Credit Card remains one of India’s strongest lifetime-free metal options in 2026. It is not the highest-rewarding card on paper, but the combination of zero fees, excellent app experience, low forex, and automatic 5X on top categories makes it a smart primary or secondary card for many Indians. If lounge access or high flat cashback is your priority, pair it with another specialised card. Otherwise, it is highly recommended for digital-first users.
13. Frequently Asked Questions (FAQs)
Q: Can this card be obtained as Lifetime Free?
A: Yes. The One Credit Card has ₹0 joining fee and ₹0 annual fee for life with no spend conditions required.
Q: What is the value of OneCard Reward Points?
A: 1 Reward Point equals ₹0.10 when redeemed as statement credit or against recent transactions in the app.
Q: Does One Credit Card offer airport lounge access?
A: No. There is no complimentary domestic or international airport lounge access on this card.
Q: What is the forex markup on One Credit Card?
A: 1% of the foreign currency transaction amount (plus applicable GST) – one of the lowest among free cards in India.
Q: How do I get 5X rewards?
A: The card automatically identifies your top 2 spending categories every month and awards 5X points on them. No manual selection is needed.
Q: Is income proof required to apply?
A: Generally no for the standard digital application. Some partner banks may request it for higher credit limits. FD-backed version requires only the fixed deposit.
Q: Can I get the card if I have a low credit score?
A: Yes, via the FD-backed One Credit Card option. You create a fixed deposit with a partner bank and receive a credit limit based on the FD amount.
Q: How long does it take to get the physical metal card?
A: After approval you get an instant virtual card. The physical 16-gram metal card is typically delivered in 5–7 business days.
Q: Are reward points transferable to airlines or hotels?
A: No. OneCard points are closed-loop and can only be redeemed as statement credit or against transactions within the OneCard ecosystem.
Q: Which banks issue the One Credit Card?
A: It is co-branded and issued by partner banks including SBM Bank, Federal Bank, CSB Bank, BOBCARD, Indian Bank and South Indian Bank. The specific issuer is assigned during application.
14. Expert Help & Next Steps
Still Confused? Not sure if this credit card is the right choice for your spending habits?
₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.
Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes.
Credit card fees, interest rates, and terms & conditions (T&C) are subject to change by respective banks over time.
Always check the official website of the relevant bank to review all rules thoroughly before applying for any card.
We are not responsible for any financial losses or approved/rejected applications.
Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.
