OneCard vs SBI Cashback Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  OneCard Credit CardBank of Baroda5 recent changes → |  SBI Cashback Credit CardState Bank of India5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.2% base, up to 1% on online shopping | 1% base, up to 5% on online shopping | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1% | 5% | |
| Dining and food delivery | 0.2% | 1% | |
| Groceries | 0.2% | 1% | |
| Travel: flights, hotels, trains | 0.2% | 1% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | Earns nothing | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.2% | Earns nothing | |
| School and college fees | 0.2% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.2% | 1% | |
| Everything else | 0.2% | 1% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Networksame | Visa | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | Free | ₹999 + GST | |
| Annual fee | Free | ₹999 + GST | |
| Lifetime free | Yes | No | |
| Fee waived at | - | ₹2,00,000 | |
| Eligibility | |||
| Min age | 18 years | - | |
| Employment type | - | BOTH | |
| Min credit score | - | 650 | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | ₹400 | ₹100 | |
| Forex and international | |||
| Forex markup | 1% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly)same | 3.75% | 3.75% | |
| Interest rate (annual)same | 45% | 45% | |
| Page content | |||
| Eligibility | - | Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants | |
| Documents needed | - | ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, SBI Cashback Credit Card comes out ₹3,840 a year ahead of OneCard Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Online shopping: 1% back
- Anyone who wants no annual fee, ever
- Spending abroad: 1% markup, most cards add 3.5%
- Heavy online shoppers
- People who want plain cashback, not points
- Shoppers who use many different websites
Watch-Outs
- Skip it if most of your spending is fuel, utility bills, rent or wallet top-ups: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- Skip it if you rarely spend on online shopping: the 1% rate applies only there, everything else earns 0.2%
- No cashback on utilities, insurance, fuel, rent, wallets or EMIs
- 5% stops after Rs 40,000 online spend a month
- No airport lounge access
- 3.5% forex fee
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, OneCard Credit Card or SBI Cashback Credit Card?
OneCard Credit Card. OneCard Credit Card: no annual fee; SBI Cashback Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
OneCard Credit Card has the lowest forex markup. OneCard Credit Card: 1%; SBI Cashback Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: SBI Cashback Credit Card 1%, OneCard Credit Card 0.2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
