SBI ELITE vs OneCard Metal vs Axis ACE
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI ELITE
4.6
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | SBI ELITE | OneCard Metal | Axis ACE |
|---|---|---|---|
| Bank | SBI | OneCard (FPL) | Axis Bank |
| Card Type | Super Premium | Premium | Cashback |
| Annual Fee | ₹4,999 + GST | Lifetime Free | Lifetime Free |
| Joining Fee | ₹4,999 + GST | Nil | Nil |
| Rewards | 2X reward points on dining, movies & grocery | 5X reward points on top 2 spend categories | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato |
| Best For | Premium Lifestyle | Tech-Savvy Users | Bill Payments |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹3,00,000 - ₹15,00,000 | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 5000 bonus reward points | None | None |
| Min Income | ₹60,000/month | ₹20,000/month | ₹15,000/month |
| Lounge Access | Unlimited domestic + 6 international per year | 4 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 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 | 4.6 | 4.6 | 4.6 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
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
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
Axis ACE
Bill Payments
Visa • Cashback
- No annual fee ever
- 5% cashback on utility bills via Google Pay
- 2% cashback on Swiggy, Zomato
- 1% cashback on all other spends
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.