IndusInd Legend Credit Card vs OneCard Metal Credit Card
IndusInd Bank · OneCard (FPL Technologies) — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IndusInd BankScoreGood
Annual FeeFree
Max Reward2%
OneCard (FPL Technologies)ScoreVery Good
Annual FeeFree
Max Reward5%
OneCard Metal Credit Card leads overall with a CardCheck Score of 79/100 (+12 pts over IndusInd Legend Credit Card).
4-Pillar Head-to-Head Breakdown
IndusInd vs OneCardReward Power
35%IndusInd24/35
OneCard34/35
OneCard Wins
Fee Value & ROI
25%IndusInd25/25
OneCard25/25
Tie (25/25)
Lounge & Travel
20%IndusInd4/20
OneCard6/20
OneCard Wins
Forex & Access
20%IndusInd14/20
OneCard14/20
Tie (14/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 67
- 79Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 24/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 6/20
- Forex & Access (20%)
- 14/20
- 14/20
02—Basic Info
- Bank
- IndusInd Bank
- OneCard (FPL Technologies)
- Network
- Visa
- Visa
- Card type
- Premium
- Co-branded
- Best for
- Lifetime-free with lounge access — 4X on dining, weekend entertainment
- Lifetime-free metal card offering 5X rewards on top 2 categories and 0% forex markup
03—Fees
- Joining fee
- ₹5,000
- FreeBest
- Annual fee
- Free
- Free
- Fee waiver
- —
- Free
- Interest-free days
- —
- 48
04—Interest
- APR (min)
- 47.4%
- 18%Best
- APR (max)
- 47.4%
- 42%Best
- Late payment fee
- ₹1,300
- —
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 1%
- Max rate
- 2%
- 5%Best
- Points / ₹100
- 1
- 5Best
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.8%
- 1%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- —
- 18
- Min CIBIL
- —
- 750
- Invite only
Rows won
00of 07
07of 07
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 67 | 79Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 24/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 6/20 |
| Forex & Access (20%) | 14/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | IndusInd Bank | OneCard (FPL Technologies) |
| Network | Visa | Visa |
| Card type | Premium | Co-branded |
| Best for | Lifetime-free with lounge access — 4X on dining, weekend entertainment | Lifetime-free metal card offering 5X rewards on top 2 categories and 0% forex markup |
03—Fees Differences highlighted | ||
| Joining fee | ₹5,000 | FreeBest |
| Annual fee | Free | Free |
| Fee waiver | — | Free |
| Interest-free days | — | 48 |
04—Interest Differences highlighted | ||
| APR (min) | 47.4% | 18%Best |
| APR (max) | 47.4% | 42%Best |
| Late payment fee | ₹1,300 | — |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 1% |
| Max rate | 2% | 5%Best |
| Points / ₹100 | 1 | 5Best |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.8% | 1%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | — | 18 |
| Min CIBIL | — | 750 |
| Invite only | ||
| Rows won | 00of 07 | 07of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IndusInd Legend Credit Card | OneCard Metal Credit Card |
|---|---|---|
| CardCheck Score | 67/100Good | 79/100Very Good |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 2% | 5% |
| Domestic Lounge Access | None | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 1.8% | 1% |
Choose IndusInd Legend Credit Card if:
Your spending centers around lifetime-free with lounge access — 4x on dining, weekend entertainment and you want direct partner rewards with IndusInd 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: IndusInd Legend Credit Card vs OneCard Metal Credit Card
- Which is better: IndusInd Legend Credit Card or OneCard Metal Credit Card?
- OneCard Metal Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 67/100 (Good) for IndusInd Legend Credit Card (a lead of +12 points). OneCard Metal Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- IndusInd Legend 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 IndusInd Legend Credit Card and OneCard Metal Credit Card?
- IndusInd Legend Credit Card offers a base reward rate of 1% and up to 2% 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: IndusInd Legend Credit Card or OneCard Metal Credit Card?
- IndusInd Legend Credit Card provides no complimentary airport lounge access. On the other hand, OneCard Metal Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- IndusInd Legend Credit Card levies a foreign currency markup fee of 1.8%, while OneCard Metal Credit Card charges 1%. 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).