OneCard Metal vs SBM OneCard
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SBM OneCard Credit Card wins 1 of 8 dimensions with a CardTrail Score of 7.8/10 vs 7.7/10.
| Feature | OneCard Metal | SBM OneCard |
|---|---|---|
| CardTrail Score | 7.7/10 | 7.8/10 |
| Annual Fee | Free | Free |
| Base Reward Rate | 2% | 2% |
| Max Reward Rate | 10% | 10% |
| Forex Markup | 1% | 1% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose OneCard Metal
- You want a lifetime free card with zero annual cost
- Your primary spend is: rewards, metal-card, forex
When to Choose SBM OneCard
- You want a lifetime free card with zero annual cost
- Your primary spend is: rewards, metal-card, forex