ACE Credit Card vs OneCard Metal Credit Card
Axis Bank · OneCard (FPL Technologies) — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
OneCard (FPL Technologies)ScoreVery Good
Annual FeeFree
Max Reward5%
Even Match: Both cards tie with an identical CardCheck Score of 79/100.
4-Pillar Head-to-Head Breakdown
ACE vs OneCardReward Power
35%ACE34/35
OneCard34/35
Tie (34/35)
Fee Value & ROI
25%ACE22/25
OneCard25/25
OneCard Wins
Lounge & Travel
20%ACE11/20
OneCard6/20
ACE Wins
Forex & Access
20%ACE12/20
OneCard14/20
OneCard Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79
- 79
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 22/25
- 25/25
- Lounge & Travel (20%)
- 11/20
- 6/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- Axis Bank
- OneCard (FPL Technologies)
- Network
- Visa
- Visa
- Card type
- Regular
- Regular
- Best for
- Cashback on utility bills via Google Pay and daily spending
- Lifetime-free metal card offering 5X rewards on top 2 categories and 0% forex markup
03—Fees
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499
- FreeBest
- Fee waiver
- ₹2,00,000
- —
04—Interest
- APR (min)
- 52.86%
- 18%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1.5%Best
- 1%
- Max rate
- 5%
- 5%
- Points / ₹100
- —
- 2
- Point value
- —
- ₹0.1
06—Travel & Lounge
- Domestic lounge / qtr
- 1Best
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 0%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 18
- Min income / month
- ₹15,000
- ₹20,000
- Min CIBIL
- 750
- 650Best
- Invite only
Rows won
02of 08
06of 08
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79 | 79 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 22/25 | 25/25 |
| Lounge & Travel (20%) | 11/20 | 6/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | OneCard (FPL Technologies) |
| Network | Visa | Visa |
| Card type | Regular | Regular |
| Best for | Cashback on utility bills via Google Pay and daily spending | Lifetime-free metal card offering 5X rewards on top 2 categories and 0% forex markup |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499 | FreeBest |
| Fee waiver | ₹2,00,000 | — |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 18%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1.5%Best | 1% |
| Max rate | 5% | 5% |
| Points / ₹100 | — | 2 |
| Point value | — | ₹0.1 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1Best | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 0%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 18 |
| Min income / month | ₹15,000 | ₹20,000 |
| Min CIBIL | 750 | 650Best |
| Invite only | ||
| Rows won | 02of 08 | 06of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | OneCard Metal Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 79/100Very Good |
| Annual Fee | ₹499 | Free (₹0) |
| Fee Waiver Spend | ₹2L/yr | No waiver |
| Max Reward Potential | 5% | 5% |
| Domestic Lounge Access | 1 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 0% |
Choose ACE Credit Card if:
Your spending centers around cashback on utility bills via google pay and daily spending and you want direct partner rewards with Axis Bank.
Choose OneCard Metal Credit Card if:
Your spending aligns with lifetime-free metal card offering 5x rewards on top 2 categories and 0% forex markup and you prioritize OneCard (FPL Technologies)'s redemption benefits.
Frequently asked questions: ACE Credit Card vs OneCard Metal Credit Card
- Which is better: ACE Credit Card or OneCard Metal Credit Card?
- Both ACE Credit Card and OneCard Metal Credit Card tie with an identical CardCheck Score of 79/100 (Very Good). Your choice should depend on specific category preferences and whether you prefer Axis Bank's or OneCard (FPL Technologies)'s merchant partnerships.
- How do annual fees and fee waiver spend rules compare?
- ACE Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, OneCard Metal Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between ACE Credit Card and OneCard Metal Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, OneCard Metal Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: ACE Credit Card or OneCard Metal Credit Card?
- ACE Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, OneCard Metal Credit Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- ACE Credit Card levies a foreign currency markup fee of 3.5%, while OneCard Metal Credit Card charges 0%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).