Niyo Global Card vs SBM OneCard
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SBM OneCard Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.8/10 vs 5.2/10.
| Feature | Niyo Global Card | SBM OneCard |
|---|---|---|
| CardTrail Score | 5.2/10 | 7.8/10 |
| Annual Fee | Free | Free |
| Base Reward Rate | 0% | 2% |
| Max Reward Rate | 0% | 10% |
| Forex Markup | Zero | 1% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | No | Yes |
| Network | Visa | Visa |
When to Choose Niyo Global Card
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹1,000/year on ₹1L forex spend
- Your primary spend is: forex, travel, students
When to Choose SBM OneCard
- You want a lifetime free card with zero annual cost
- You want higher rewards — up to 10% vs 0%
- Your primary spend is: rewards, metal-card, forex
Forex Cost Comparison
On ₹1,00,000 annual international spending: Niyo Global Card costs ₹0 in forex fees vs SBM OneCard at ₹1,180. You save ₹1,180/year with Niyo Global Card.