OneCard Metal vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
SC Ultimate
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | ||
|---|---|---|
| Bank | OneCard (FPL) | Standard Chartered |
| Card Type | Premium | Super Premium |
| Annual Fee | Lifetime Free | ₹5,000 + GST |
| Joining Fee | Nil | ₹5,000 + GST |
| Rewards | 5X reward points on top 2 spend categories | 3.33% rewards value on all spends |
| Best For | Tech-Savvy Users | Luxury Travel |
| 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 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | None | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹20,000/month | ₹1,00,000/month |
| Lounge Access | 4 domestic per year | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.0% + GST | 2.0% + GST |
| Add-On Card Fee | Not available | Free |
| Rating | 4.6 | 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
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.
Frequently asked questions
Which is better: OneCard Metal or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. OneCard Metal is the better fit if your priority is tech-savvy users. The right choice depends on where you spend most.
Which has the lower annual fee: OneCard Metal and SC Ultimate?
OneCard Metal is cheaper to hold at Lifetime Free, compared with ₹5,000 + GST for SC Ultimate.
Do OneCard Metal and SC Ultimate offer airport lounge access?
OneCard Metal: 4 domestic per year. SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
SC Ultimate has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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