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?

Standard Chartered Ultimate Credit Card leads with an estimated ₹4,960/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.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

OneCard Metal Credit Card vs Standard Chartered Smart Card vs Standard Chartered Ultimate Credit Card

Honest side-by-side comparison of OneCard Metal Credit Card, Standard Chartered Smart Card, Standard Chartered Ultimate Credit Card — 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, Standard Chartered Ultimate Credit Card ranks first for estimated net annual value — ahead of OneCard Metal Credit Card by about ₹1,000/yr.

OneCard Metal Credit Card vs Standard Chartered Smart Card vs Standard Chartered Ultimate Credit Card comparison table
Feature	OneCard Metal Credit Card OneCard (BOB/FPL)	Standard Chartered Smart Card Standard Chartered	Standard Chartered Ultimate Credit Card Standard Chartered
Annual fee	₹0	₹499	₹5,000
Min income (monthly)	₹15,000	₹30,000	₹60,000
Top reward rate	1% cashback	2% cashback	5%
Net annual value (moderate spend)	₹3,960/yr	₹3,731/yr	₹4,960/yr
Secured / FD-backed	No	No	No
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?: Standard Chartered Ultimate Credit Card leads with an estimated ₹4,960/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.
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.

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Your adjusted comparison

Feature	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)	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered	Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered
Annual fee	₹0	₹499	₹5,000
Min income	₹15,000	₹30,000	₹60,000
Top reward rate	1% cashback	2% cashback	5%
Net value (moderate)	₹3,960/yr	₹3,731/yr	₹4,960/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

OneCard Metal Credit Card details →Standard Chartered Smart Card details →Standard Chartered Ultimate Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More OneCard Metal Credit Card comparisons