Side-by-side · honest numbers
Amex Membership Rewards CC vs OneCard Metal Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of Amex Membership Rewards CC, OneCard Metal Credit Card, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, OneCard Metal Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹2,190/yr.
| Feature | Amex Membership Rewards CC American Express | OneCard Metal Credit Card OneCard (BOB/FPL) | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹0 | ₹0 |
| Min income (monthly) | ₹60,000 | ₹15,000 | Not stated |
| Top reward rate | 2 RP/₹150 | 1% cashback | 80% of FD value |
| Net annual value (moderate spend) | ₹822/yr | ₹3,960/yr | ₹1,770/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | ₹4,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- OneCard Metal Credit Card leads with an estimated ₹3,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹0 | ₹0 |
| Min income | ₹60,000 | ₹15,000 | Not stated |
| Top reward rate | 2 RP/₹150 | 1% cashback | 80% of FD value |
| Net value (moderate) | ₹822/yr | ₹3,960/yr | ₹1,770/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | ₹4,000 | — | — |
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