OneCard Metal Credit Card vs CASHBACK SBI Card
OneCard (FPL Technologies) · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
OneCard (FPL Technologies)ScoreVery Good
Annual FeeFree
Max Reward5%
SBI CardScoreVery Good
Annual Fee₹999
Max Reward5%
OneCard Metal Credit Card leads overall with a CardCheck Score of 79/100 (+9 pts over CASHBACK SBI Card).
4-Pillar Head-to-Head Breakdown
OneCard vs CASHBACKReward Power
35%OneCard34/35
CASHBACK34/35
Tie (34/35)
Fee Value & ROI
25%OneCard25/25
CASHBACK20/25
OneCard Wins
Lounge & Travel
20%OneCard6/20
CASHBACK4/20
OneCard Wins
Forex & Access
20%OneCard14/20
CASHBACK12/20
OneCard Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 70
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 20/25
- Lounge & Travel (20%)
- 6/20
- 4/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- OneCard (FPL Technologies)
- SBI Card
- Network
- Visa
- Visa
- Card type
- Regular
- Regular
- Best for
- Lifetime-free metal card offering 5X rewards on top 2 categories and 0% forex markup
- Online cashback
03—Fees
- Joining fee
- FreeBest
- ₹999
- Annual fee
- FreeBest
- ₹999
- Fee waiver
- —
- ₹2,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 18%Best
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 5%
- 5%
- Points / ₹100
- 2
- —
- Point value
- ₹0.1
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 0%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹20,000
- ₹25,000
- Min CIBIL
- 650Best
- 700
- Invite only
Rows won
06of 06
00of 06
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 70 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 20/25 |
| Lounge & Travel (20%) | 6/20 | 4/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | OneCard (FPL Technologies) | SBI Card |
| Network | Visa | Visa |
| Card type | Regular | Regular |
| Best for | Lifetime-free metal card offering 5X rewards on top 2 categories and 0% forex markup | Online cashback |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹999 |
| Annual fee | FreeBest | ₹999 |
| Fee waiver | — | ₹2,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 18%Best | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1% | 1% |
| Max rate | 5% | 5% |
| Points / ₹100 | 2 | — |
| Point value | ₹0.1 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 0%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹20,000 | ₹25,000 |
| Min CIBIL | 650Best | 700 |
| Invite only | ||
| Rows won | 06of 06 | 00of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | OneCard Metal Credit Card | CASHBACK SBI Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 70/100Very Good |
| Annual Fee | Free (₹0) | ₹999 |
| Fee Waiver Spend | No waiver | ₹2L/yr |
| Max Reward Potential | 5% | 5% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 0% | 3.5% |
Choose OneCard Metal Credit Card if:
Your spending centers around lifetime-free metal card offering 5x rewards on top 2 categories and 0% forex markup and you want direct partner rewards with OneCard (FPL Technologies).
Choose CASHBACK SBI Card if:
Your spending aligns with online cashback and you prioritize SBI Card's redemption benefits.
Frequently asked questions: OneCard Metal Credit Card vs CASHBACK SBI Card
- Which is better: OneCard Metal Credit Card or CASHBACK SBI Card?
- OneCard Metal Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 70/100 (Very Good) for CASHBACK SBI Card (a lead of +9 points). OneCard Metal Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- OneCard Metal 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, CASHBACK SBI Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between OneCard Metal Credit Card and CASHBACK SBI Card?
- OneCard Metal Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, CASHBACK SBI 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: OneCard Metal Credit Card or CASHBACK SBI Card?
- OneCard Metal Credit Card provides no complimentary domestic lounge access. On the other hand, CASHBACK SBI 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?
- OneCard Metal Credit Card levies a foreign currency markup fee of 0%, while CASHBACK SBI Card charges 3.5%. 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).