IDFC FIRST Wealth Credit Card vs OneCard Metal Credit Card
IDFC FIRST Bank · OneCard (FPL Technologies) — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IDFC FIRST BankScoreElite
Annual FeeFree
Max Reward5%
OneCard (FPL Technologies)ScoreVery Good
Annual FeeFree
Max Reward5%
IDFC FIRST Wealth Credit Card leads overall with a CardCheck Score of 91/100 (+12 pts over OneCard Metal Credit Card).
4-Pillar Head-to-Head Breakdown
IDFC vs OneCardReward Power
35%IDFC34/35
OneCard34/35
Tie (34/35)
Fee Value & ROI
25%IDFC25/25
OneCard25/25
Tie (25/25)
Lounge & Travel
20%IDFC18/20
OneCard6/20
IDFC Wins
Forex & Access
20%IDFC14/20
OneCard14/20
Tie (14/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 91Best
- 79
- Rating Verdict
- Elite
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 18/20
- 6/20
- Forex & Access (20%)
- 14/20
- 14/20
02—Basic Info
- Bank
- IDFC FIRST Bank
- OneCard (FPL Technologies)
- Network
- Visa
- Visa
- Card type
- Premium
- Regular
- Best for
- IDFC's flagship lifetime-free premium — 0% forex, 10X on top spends, 4 lounge/quarter
- Lifetime-free metal card offering 5X rewards on top 2 categories and 0% forex markup
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Interest-free days
- 45
- —
04—Interest
- APR (min)
- 8.5%Best
- 18%
- APR (max)
- 46.2%
- 42%Best
- Late payment fee
- ₹1,300
- —
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 1%
- Max rate
- 5%
- 5%
- Points / ₹100
- —
- 2
- Point value
- —
- ₹0.1
06—Travel & Lounge
- Domestic lounge / qtr
- 4Best
- 0
- Intl lounge / year
- 2Best
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 0%
- 0%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- ₹1,50,000
- ₹20,000
- Min CIBIL
- 750
- 650Best
- Invite only
Rows won
04of 06
02of 06
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 91Best | 79 |
| Rating Verdict | Elite | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 18/20 | 6/20 |
| Forex & Access (20%) | 14/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | IDFC FIRST Bank | OneCard (FPL Technologies) |
| Network | Visa | Visa |
| Card type | Premium | Regular |
| Best for | IDFC's flagship lifetime-free premium — 0% forex, 10X on top spends, 4 lounge/quarter | Lifetime-free metal card offering 5X rewards on top 2 categories and 0% forex markup |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Interest-free days | 45 | — |
04—Interest Differences highlighted | ||
| APR (min) | 8.5%Best | 18% |
| APR (max) | 46.2% | 42%Best |
| Late payment fee | ₹1,300 | — |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 1% |
| Max rate | 5% | 5% |
| Points / ₹100 | — | 2 |
| Point value | — | ₹0.1 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4Best | 0 |
| Intl lounge / year | 2Best | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 0% | 0% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹1,50,000 | ₹20,000 |
| Min CIBIL | 750 | 650Best |
| Invite only | ||
| Rows won | 04of 06 | 02of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IDFC FIRST Wealth Credit Card | OneCard Metal Credit Card |
|---|---|---|
| CardCheck Score | 91/100Elite | 79/100Very Good |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 5% | 5% |
| Domestic Lounge Access | 4 / quarter | None |
| International Lounge | 2 / year | None |
| Forex Markup Fee | 0% | 0% |
Choose IDFC FIRST Wealth Credit Card if:
Your spending centers around idfc's flagship lifetime-free premium — 0% forex, 10x on top spends, 4 lounge/quarter and you want direct partner rewards with IDFC FIRST 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: IDFC FIRST Wealth Credit Card vs OneCard Metal Credit Card
- Which is better: IDFC FIRST Wealth Credit Card or OneCard Metal Credit Card?
- IDFC FIRST Wealth Credit Card holds a higher overall rating with a CardCheck Score of 91/100 (Elite) compared to 79/100 (Very Good) for OneCard Metal Credit Card (a lead of +12 points). IDFC FIRST Wealth Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- IDFC FIRST Wealth Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone 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 IDFC FIRST Wealth Credit Card and OneCard Metal Credit Card?
- IDFC FIRST Wealth Credit Card offers a base reward rate of 1% 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: IDFC FIRST Wealth Credit Card or OneCard Metal Credit Card?
- IDFC FIRST Wealth Credit Card provides 4 domestic lounge visit(s) per quarter and 2 international lounge visit(s)/yr. 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?
- IDFC FIRST Wealth Credit Card levies a foreign currency markup fee of 0%, 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).