SBM OneCard Credit Card
SBM Bank About This Card
SBM OneCard is a lifetime free metal credit card issued by SBM Bank in partnership with OneCard. It offers 5X rewards on top 2 spend categories and an industry-low 1% forex markup, identical to the standard OneCard but issued via SBM Bank.
Pros & Cons
Pros
- Lifetime free metal card with zero fees
- 5X rewards auto-applied to top 2 monthly categories
- Only 1% forex markup
- No reward point expiry; zero redemption fees
Cons
- No airport lounge access
- 1 RP per Rs 50 base rate is average
- No welcome bonus
- SBM Bank has limited physical branch presence
Fee Details
Reward Structure
Lounge Access
Key Highlights
- Lifetime free metal credit card
- 5X rewards on top 2 spend categories each month
- 1% forex markup — among lowest in India
- Instant digital card activation
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