OneCard Metal Card vs Standard Chartered Smart
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OneCard
Metal Card
Standard Chartered
Smart
| Detail | OneCard Metal Card | Standard Chartered Smart |
|---|---|---|
| Annual fee | ₹0 | ₹0 |
| Joining fee | ₹0 | ₹0 |
| Income requirement | 6 LPA | 4.2 LPA |
| all rewards | 5%, 5% | 5% |
| Lounge access | - | - |
| Benefits | Metal Card, App Features | Fuel Surcharge Waiver, Reward Points |
Verdict
OneCard Metal Card ranks above Standard Chartered Smart for no annual fee (5.0% effective reward rate vs 5.0% effective reward rate; annual fee ₹0 vs annual fee ₹0). The score nets the annual fee against rewards, so the better pick depends on how much you spend.
Frequently asked questions
- Which has the lower annual fee, OneCard Metal Card or Standard Chartered Smart?
- OneCard Metal Card charges ₹0 and Standard Chartered Smart charges ₹0 per year.
- Which card has the higher reward rate?
- OneCard Metal Card peaks at about 5.0% and Standard Chartered Smart at about 5.0% effective rewards.
- Which card offers more lounge access?
- OneCard Metal Card lists 0 lounge program(s); Standard Chartered Smart lists 0.
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