AU Zenith+ vs OneCard Metal
Side-by-side credit card comparison to help you choose the best one.
OneCard Metal
Why this card wins: Tech-Savvy Users — 5X reward points on top 2 spend categories
| Feature | ||
|---|---|---|
| Bank | AU Small Finance Bank | OneCard (FPL) |
| Card Type | Super Premium | Premium |
| Annual Fee | ₹7,999 + GST | Lifetime Free |
| Joining Fee | ₹7,999 + GST | Nil |
| Rewards | 4.5% value back on select categories | 5X reward points on top 2 spend categories |
| Best For | Premium Lifestyle | Tech-Savvy Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | None |
| Min Income | ₹50,000/month | ₹20,000/month |
| Lounge Access | 8 domestic + 4 international per year | 4 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.5% + GST | 3.0% + GST |
| Add-On Card Fee | Free | Not available |
| Rating | 4.4 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
AU Zenith+
Premium Lifestyle
Visa Signature • Super Premium
- Complimentary airport lounge access worldwide
- Travel insurance up to ₹3 Crore
- Concierge services 24/7
- Milestone bonus of ₹10,000 voucher on ₹5L spend
OneCard Metal
Tech-Savvy Users
Visa • Premium
- Metal card — no annual fee ever
- Auto-detects your top spend categories for 5X
- Real-time spend analytics in app
- Instant EMI conversion on any purchase
Verdict
Based on rating and overall value, OneCard Metal ranks highest among your selected cards. It excels at Tech-Savvy Users and offers 5X reward points on top 2 spend categories.
Frequently asked questions
Which is better: AU Zenith+ or OneCard Metal?
OneCard Metal has the higher CardKhoj rating (4.6/5) and is best for tech-savvy users. AU Zenith+ is the better fit if your priority is premium lifestyle. The right choice depends on where you spend most.
Which has the lower annual fee: AU Zenith+ and OneCard Metal?
OneCard Metal is cheaper to hold at Lifetime Free, compared with ₹7,999 + GST for AU Zenith+.
Do AU Zenith+ and OneCard Metal offer airport lounge access?
AU Zenith+: 8 domestic + 4 international per year. OneCard Metal: 4 domestic per year.
Which card is better for international spending?
AU Zenith+ has the lowest forex markup at 2.5% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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