SBI Cashback Credit Card vs OneCard Credit Card
A side-by-side comparison of fees, rewards, and benefits to help you pick the right card for your spending.
| SBI Cashback Credit Card | OneCard Credit Card | |
|---|---|---|
| Issuer | SBI | BOB |
| Annual fee | ₹999/yr | Lifetime free ✓ |
| Joining fee | ₹999 | Free |
| Best reward | 5% on Online Shopping | 1% on Online Shopping |
| Forex markup | 3.5% | 1% ✓ |
| Lounge access | No | No |
| Welcome benefit | — | — |
| Min income | ₹20,000/mo | ₹30,000/mo |
| Expert rating | 4.5 / 5 | 4.5 / 5 |
Which should you pick?
Choose the SBI Cashback Credit Card if you want strong rewards on online shopping. Consider the OneCard Credit Card if you spend more on online shopping and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.
SBI Cashback Credit Card vs OneCard Credit Card — FAQs
Which has a lower annual fee, SBI Cashback Credit Card or OneCard Credit Card?
The OneCard Credit Card has the lower annual fee at Lifetime free, versus ₹999/yr for the SBI Cashback Credit Card.
Do SBI Cashback Credit Card and OneCard Credit Card offer airport lounge access?
Neither card lists complimentary airport lounge access.
Which card has lower forex markup, SBI Cashback Credit Card or OneCard Credit Card?
The OneCard Credit Card has the lower forex markup at 1%, versus 3.5% on the SBI Cashback Credit Card.
Which is better, SBI Cashback Credit Card or OneCard Credit Card?
Neither card is universally better — it depends on how you spend. The SBI Cashback Credit Card rewards online shopping at 5%, while the OneCard Credit Card rewards online shopping at 1%. Compare their fees and benefits above, or run your actual spending through our recommender for a personalised pick.