CardHungry

Side-by-side · honest numbers

OneCard Metal Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of 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.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

OneCard Metal Credit Card

OneCard (BOB/FPL)

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature
OneCard Metal Credit Card

OneCard Metal Credit Card

OneCard (BOB/FPL)

SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual feeLifetime freeLifetime free
Fee waiver thresholdLifetime freeLifetime free
Min income₹15,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)₹3,120/yr₹1,440/yr
Top reward rate1% cashback80% of FD value
Primary reward capNo monthly cap publishedNo monthly cap published
UPI rewardsEarns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&CsNot supported (Visa/MC)
Key exclusionsEMI · RentNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹3,210/yr combined NAV (₹90 vs best solo). Both annual fees apply.

OneCard Metal Credit Card details →SBI Card against Fixed Deposit details →

Share this comparison

https://cardhungry.com/in/en/compare/onecard-vs-sbi-fd-secured

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, OneCard Metal Credit Card leads SBI Card against Fixed Deposit by about ₹1,680/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

OneCard Metal Credit Card vs SBI Card against Fixed Deposit comparison table
FeatureOneCard Metal Credit Card

OneCard (BOB/FPL)

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual feeLifetime freeLifetime free
Fee waiver thresholdLifetime freeLifetime free
Min income₹15,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)₹3,120/yr₹1,440/yr
Top reward rate1% cashback80% of FD value
Primary reward capNo monthly cap publishedNo monthly cap published
UPI rewardsEarns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&CsNot supported (Visa/MC)
Key exclusionsEMI · RentNot stated
Bonuses
Signup bonus——

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 ₹3,120/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.

More OneCard Metal Credit Card comparisons