HSBC Cashback Card 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 | HSBC India | OneCard (FPL) |
| Card Type | Cashback | Premium |
| Annual Fee | ₹750 + GST | Lifetime Free |
| Joining Fee | ₹750 + GST | Nil |
| Rewards | 1.5% unlimited cashback on all spends | 5X reward points on top 2 spend categories |
| Best For | Pure Cashback | Tech-Savvy Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | ₹750 cashback on first ₹7,500 spend | None |
| Min Income | ₹25,000/month | ₹20,000/month |
| Lounge Access | 2 domestic 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 | 3.5% + GST | 3.0% + GST |
| Add-On Card Fee | Free | Not available |
| Rating | 4.4 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual 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: HSBC Cashback Card or OneCard Metal?
OneCard Metal has the higher CardKhoj rating (4.6/5) and is best for tech-savvy users. HSBC Cashback Card is the better fit if your priority is pure cashback. The right choice depends on where you spend most.
Which has the lower annual fee: HSBC Cashback Card and OneCard Metal?
OneCard Metal is cheaper to hold at Lifetime Free, compared with ₹750 + GST for HSBC Cashback Card.
Do HSBC Cashback Card and OneCard Metal offer airport lounge access?
HSBC Cashback Card: 2 domestic per year. OneCard Metal: 4 domestic per year.
Which card is better for international spending?
OneCard Metal has the lowest forex markup at 3.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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