SBI Card
Top pickSBI Cashback Card
5% cashback on almost every online merchant with no category list to memorise.
5% online, 1% offline
Annual fee
₹999 + GST
Federal / SBM partners · Visa Signature
OneCard Metal
Fully app-controlled metal card, lifetime free, with 5x on your top spending category.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Lifetime free — no joining or annual fee.
- No spend condition to keep the card active.
- Headline earn rate: 5x on top spend category.
- Includes complimentary airport lounge access (visit counts vary by tier and spend).
Also worth comparing for app-first users
IDFC FIRST Bank
Data verifiedIDFC FIRST Millennia
Entry lifetime-free card with welcome vouchers and one railway lounge visit each quarter.
Up to 10x reward pointsLounge access
Annual fee
Lifetime free
AU Small Finance Bank
Data verifiedAU Bank LIT Credit Card
Subscribe only to the benefits you want each quarter and pay nothing when you pause.
Choose your own benefitsLounge access
Annual fee
Lifetime free
Ready to apply for the OneCard Metal?
Takes under a minute. We hand you off to Federal / SBM partners's official secure application — no middlemen, no data resold.