OneCard Metal vs Uni Card
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
OneCard Metal Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.7/10 vs 7.5/10.
| Feature | OneCard Metal | Uni Card |
|---|---|---|
| CardTrail Score | 7.7/10 | 7.5/10 |
| Annual Fee | Free | Free |
| Base Reward Rate | 2% | 1% |
| Max Reward Rate | 10% | 7% |
| Forex Markup | 1% | Zero |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | RuPay |
When to Choose OneCard Metal
- You want a lifetime free card with zero annual cost
- You want higher rewards — up to 10% vs 7%
- Your primary spend is: rewards, metal-card, forex
When to Choose Uni 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: rewards, gold, forex
Forex Cost Comparison
On ₹1,00,000 annual international spending: OneCard Metal costs ₹1,180 in forex fees vs Uni Card at ₹0. You save ₹1,180/year with Uni Card.