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OneCard Metal Credit Card VS Slice Super Card VS Uni Pay Gold X Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 27 July 2026
OneCard Metal Credit Card
OneCard Metal Credit Card
Slice Super Card
Slice Super Card
Uni Pay Gold X Card
Uni Pay Gold X Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based Waiver
Spend Based WaiverNot applicable as the card is 100% Lifetime Free with no minimum spends required.
Foreign Transaction Fees
Foreign Transaction FeesZero foreign currency markup
Foreign Transaction FeesZero Forex Fee for international transactions in over 180 countries.
Interest Rate (APR)
Interest Rate (APR)3.5% monthly
Interest Rate (APR)

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Welcome Bonus
Rewards RateEarn 5X rewards on your top 2 spend categories; points are instant, non-expiring, and fractional.
Rewards RateUp to 3% cashback on every transaction.
Rewards RateEarn rewards as 24K Gold on all transactions. Up to 8% back on brands, 50% on movies, 7% on flights, 1% on other spends.
Reward TypeReward Points
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Travel BenefitsUnlimited 7% back on domestic and international flights when booked through the Uni Store.
Movie Benefits
Movie Benefits
Movie Benefits50% back on PVR & INOX every month, valid on card spends of ₹10,000 per month.
Dining Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver
Fuel Surcharge Waiver
Fuel Surcharge WaiverWaiver of up to ₹500 every billing cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Insurance Benefits
Cash Advance Charges
Cash Advance Charges2.5% of transaction amount or ₹25, whichever is higher.
Cash Advance Charges
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

OneCard Metal Credit Card

Slice Super Card

Uni Pay Gold X Card

Who is it for?

The One Credit Card, offered in partnership with various banking partners, positions itself as India's premier metal credit card, built with full-stack technology and emphasizing simplicity, transparency, and user control. Its key differentiating benefits include a complete absence of hidden fees (no joining, annual, or rewards redemption fees), a premium metal design, and a generous 5X rewards program on the top two spend categories. It is ideal for individuals seeking a premium experience with strong mobile app integration and accelerated rewards on their primary spending.

Who is it for?

The Slice UPI Credit Card is an ideal entry-level option for young users and those new to credit, offering a simplified credit experience. It stands out with the convenience of UPI payments directly from a credit card, zero joining and renewal fees, and up to 3% cashback on all spends. Additionally, it features zero foreign currency markup, making international transactions economical. This card is perfect for building credit while enjoying flexible payment options and daily savings.

Who is it for?

The Uni GoldX credit card is a compelling mid-range offering that stands out with its unique reward system of earning 24K Gold on all spends. This card is designed for users seeking significant savings on travel, entertainment, and everyday transactions, further enhanced by a lifetime free status and zero foreign currency markup. It offers unlimited 7% back on flights, 50% back on movies, and 1% back on all other transactions, including UPI. Ideal for frequent travelers and international shoppers, it provides a comprehensive rewards program without any annual fees.

Pros

Key benefits and features.

No joining, annual, or rewards redemption fees.

Premium metal card design offers an exclusive and sophisticated feel.

Powerful mobile app provides comprehensive control over card usage.

Earn 5X rewards on top 2 spend categories with instant, non-expiring points.

Seamless and quick digital onboarding process for instant activation.

Pros

Key benefits and features.

Lifetime free credit card with no joining or annual fees.

Enjoy up to 3% cashback on every purchase, maximizing savings on daily spends.

Provides zero foreign exchange charges, saving money on international transactions.

Allows splitting purchases into 3 interest-free monthly installments.

Seamlessly make UPI payments directly from your credit card, enhancing daily transaction convenience.

Pros

Key benefits and features.

Enjoy lifetime free status with zero joining and annual fees, offering great value.

Earn unique rewards as 24K Gold on all your transactions, a distinctive benefit.

Significant savings with unlimited 7% back on flights and 50% on movies.

Spend globally without worry thanks to zero foreign currency markup on transactions.

Cons

Key drawbacks and limitations.

Specific reward categories for 5X benefits are not detailed in the provided information.

Cons

Key drawbacks and limitations.

Lacks premium benefits such as travel insurance or lounge access, not suited for high-end users.

Limited reward redemption options, as specific redemption methods are not available.

Does not offer a fuel surcharge waiver, leading to extra costs on fuel transactions.

Incurs cash advance charges, making cash withdrawals from the card costly.

Cons

Key drawbacks and limitations.

Movie benefit requires a minimum spend of ₹10,000 per month to be valid.

The unique 24K Gold reward system might have specific redemption limitations.

Lacks complimentary airport lounge access, which is common in similar cards.

No specific dining discounts or benefits are explicitly mentioned for cardholders.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for OneCard Metal Credit Card(opens in new tab)Apply for Uni Pay Gold X Card(opens in new tab)