Adani One Signature Credit Card vs BOBCARD ETERNA Credit Card vs Niyo Global Card by Equitas Bank vs OneCard Metal Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Adani One Signature Credit Card
BOBCARD ETERNA Credit Card
Niyo Global Card by Equitas Bank
OneCard Metal Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Significant travel benefits for domestic & international flyers, with premium airport services.
Airport lounge access is provided without any spending requirements.
A ₹5,000 flight voucher as a joining benefit effectively offsets the first-year fee.
Valuable Pranaam Meet & Greet services included, a rare offering on premium cards.
High reward rate (7%) on Adani ecosystem spends.
Pros
Key benefits and features.
Fee waivers available for both joining and annual renewal based on spending milestones.
High-value accelerated reward points on key categories like dining, travel & shopping.
Substantial Personal Accidental Death Cover: ₹1 Crore for air, ₹10 Lakhs for non-air.
Competitive 2% foreign currency markup, making international spends more affordable.
Unlimited domestic airport lounge access is provided, with a quarterly spend condition.
Pros
Key benefits and features.
Enjoy significant savings on international transactions with zero forex markup charges.
Benefit from a high-interest savings account offering up to 7% p.a. on your balance.
Widely accepted across 150+ countries and 130+ currencies for hassle-free global use.
User-friendly mobile app provides global ATM locator, currency converter, & robust security features.
No joining or renewal fees, making the Niyo Global Card an exceptionally accessible option.
Pros
Key benefits and features.
OneCard Metal is lifetime free, offering premium feel without high annual fees.
Unique fractional reward points system ensures rewards on entire transaction amounts.
Enjoy 5x rewards on your top two spend categories for enhanced earnings.
Benefit from a low 1% foreign currency markup, ideal for international transactions.
Available as a secured card, making it accessible for individuals with limited credit history.
Cons
Key drawbacks and limitations.
Lacks explicit renewal benefits, although annual fee waiver available for high spenders.
Limited appeal for users whose spending habits do not align with Adani ecosystem or travel.
Welcome benefits require significant spending within a short period to fully unlock vouchers.
Cons
Key drawbacks and limitations.
Domestic lounge access is conditional on a high ₹40,000 spend in prior quarter.
Previous golf benefits, including games and lessons, have been discontinued from the card.
Accelerated reward points are capped at 5,000 per cycle, limiting high-spenders' benefits.
Cons
Key drawbacks and limitations.
Lacks complimentary lounge access at international airports outside of India.
No specific welcome benefits upon joining, unlike many other international travel cards.
Reward program (Global Coins) requires international spends to unlock redemption.
Only 3 free domestic ATM withdrawals per month; subsequent withdrawals incur charges.
20% TCS applies to international spends exceeding the ₹7 Lakhs threshold annually.
Cons
Key drawbacks and limitations.
The OneCard Metal Credit Card does not offer airport lounge access benefits.
Lacks specific rewards or benefits for categories like movies, dining, or travel.
5x rewards on top categories require spending in at least three categories monthly.
No explicit welcome benefits such as bonus points or vouchers are provided by OneCard.