OneCard credit cards compared

OneCard is a mobile-first metal credit card featuring a lifetime-free structure with zero joining and annual fees, delivered via a digital onboarding process within 48 hours. The rewards programme applies a 5X multiplier on top qualifying spending categories every billing cycle. Following rules introduced in 2025, accessing 5X accelerated earnings requires spending across a minimum of three distinct categories in a month, with bonus 5X points governed by a monthly accrual ceiling.