OneCard Metal vs HSBC Smart Value vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SC Ultimate
4.7
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | OneCard Metal | HSBC Smart Value | SC Ultimate |
|---|---|---|---|
| Bank | OneCard (FPL) | HSBC India | Standard Chartered |
| Card Type | Premium | Cashback | Super Premium |
| Annual Fee | Lifetime Free | Lifetime Free | ₹5,000 + GST |
| Joining Fee | Nil | Nil | ₹5,000 + GST |
| Rewards | 5X reward points on top 2 spend categories | 5% cashback on Swiggy, BigBasket, Amazon | 3.33% rewards value on all spends |
| Best For | Tech-Savvy Users | Online Shopping | Luxury Travel |
| 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 | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹3,00,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | None | None | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹20,000/month | ₹20,000/month | ₹1,00,000/month |
| Lounge Access | 4 domestic per year | None | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.0% + GST | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Not available | Free | Free |
| Rating | 4.6 | 4.2 | 4.7 |
| Contactless | |||
| EMI Conversion |
Key Features
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 Smart Value
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online platforms
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Our Pick
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.