OneCard Metal vs SBI ELITE
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 | OneCard (FPL) | SBI |
| Card Type | Premium | Super Premium |
| Annual Fee | Lifetime Free | ₹4,999 + GST |
| Joining Fee | Nil | ₹4,999 + GST |
| Rewards | 5X reward points on top 2 spend categories | 2X reward points on dining, movies & grocery |
| Best For | Tech-Savvy Users | Premium Lifestyle |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹3,00,000 - ₹15,00,000 |
| Welcome Benefit | None | 5000 bonus reward points |
| Min Income | ₹20,000/month | ₹60,000/month |
| Lounge Access | 4 domestic per year | Unlimited domestic + 6 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 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
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
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L 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.
Frequently asked questions
Which is better: OneCard Metal or SBI ELITE?
OneCard Metal has the higher CardKhoj rating (4.6/5) and is best for tech-savvy users. SBI ELITE 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: OneCard Metal and SBI ELITE?
OneCard Metal is cheaper to hold at Lifetime Free, compared with ₹4,999 + GST for SBI ELITE.
Do OneCard Metal and SBI ELITE offer airport lounge access?
OneCard Metal: 4 domestic per year. SBI ELITE: unlimited domestic + 6 international 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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