Kotak Royale Signature vs OneCard Metal vs HSBC Cashback Card
Side-by-side credit card comparison to help you choose the best one.
Our Pick
OneCard Metal
4.6
Why this card wins: Tech-Savvy Users — 5X reward points on top 2 spend categories
| Feature | Kotak Royale Signature | OneCard Metal | HSBC Cashback Card |
|---|---|---|---|
| Bank | Kotak Mahindra | OneCard (FPL) | HSBC India |
| Card Type | Premium | Premium | Cashback |
| Annual Fee | ₹999 + GST | Lifetime Free | ₹750 + GST |
| Joining Fee | ₹999 + GST | Nil | ₹750 + GST |
| Rewards | 4 reward points per ₹150 on all spends | 5X reward points on top 2 spend categories | 1.5% unlimited cashback on all spends |
| Best For | Travel & Entertainment | Tech-Savvy Users | Pure Cashback |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,00,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 500 reward points on activation | None | ₹750 cashback on first ₹7,500 spend |
| Min Income | ₹25,000/month | ₹20,000/month | ₹25,000/month |
| Lounge Access | 8 domestic + 2 international per year | 4 domestic per year | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Not available | Free |
| Rating | 4.3 | 4.6 | 4.4 |
| Contactless | |||
| EMI Conversion |
Key Features
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
Our Pick
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
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
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.