OneCard Metal vs HDFC Millennia
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 | OneCard Metal | HDFC Millennia |
|---|---|---|
| Bank | OneCard (FPL) | HDFC Bank |
| Card Type | Premium | Cashback |
| Annual Fee | Lifetime Free | ₹1,000 + GST |
| Joining Fee | Nil | ₹1,000 + GST |
| Rewards | 5X reward points on top 2 spend categories | 5% Cashback on Amazon, Flipkart, Swiggy |
| Best For | Tech-Savvy Users | Online Shopping |
| 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 | None | 1000 Cash Points on first txn |
| Min Income | ₹20,000/month | ₹25,000/month |
| Lounge Access | 4 domestic per year | 8 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.0% + GST | 3.5% + GST |
| Add-On Card Fee | Not available | Free |
| Rating | 4.6 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
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
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
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.