Over the past few years, SBM Bank India has partnered with several fintech companies to launch innovative credit cards that focus on cashback, UPI payments, rewards, and international spending. Unlike traditional bank credit cards, many SBM Bank-backed cards offer digital onboarding, virtual card issuance, and app-based account management.
Whether you’re shopping online, paying via UPI, traveling abroad, or simply looking for a lifetime-free credit card, there’s an SBM Bank card that can match your spending habits.
We chose 3 of the best SBM Bank cards in 2026 based on cashback, UPI support, travel benefits, fees, rewards, and overall value.
3 Best SBM Bank Credit Cards
| Card Name | Best For | Joining Fee | Annual Fee | Benefit |
| OneCard Metal Credit Card | Rewards & Travel | Lifetime Free* | Lifetime Free* | Reward points, forex-friendly, metal card |
| Scapia Federal-SBM Travel Card | International Travel | ₹0 | ₹0 | Zero forex markup, unlimited airport lounge benefits* |
| Niyo Global SBM Card | International Spending & Students | ₹0 | ₹0 | Zero forex markup, international ATM access |
1. OneCard Metal Credit Card (SBM Bank)
OneCard has become one of India’s most popular app-based credit cards. Issued in partnership with SBM Bank (among other partner banks), it offers a premium metal design, instant digital controls, and a rewards program that lets users earn points on everyday spending.
Features
- Premium metal credit card
- Instant virtual card after approval
- Mobile app for complete card management
- Contactless payments
- EMI conversion facility
- Real-time spending insights
- Accepted worldwide
Rewards
- Earn reward points on every eligible transaction.
- Accelerated rewards on selected spending categories through the app.
- Redeem points for shopping, travel, vouchers, and more.
Fees
| Charges | Details |
| Joining Fee | Lifetime Free* |
| Annual Fee | Lifetime Free* |
| Add-on Card | Available as per issuer policy |
Why Choose OneCard?
- Premium metal card experience
- Excellent mobile app
- Reward-focused spending
- International acceptance
- Useful spending analytics
Also Read: Top 5 Credit Cards for Low CIBIL Score in India
2. Scapia Travel Card
Frequent travellers often lose money on foreign exchange charges. The Scapia travel card is designed to solve this problem by offering zero forex markup, making it one of the most attractive cards for overseas travel.
Features
- Zero forex markup on international transactions
- Worldwide card acceptance
- Digital application
- Travel-focused rewards
- Contactless payments
Travel Benefits
- Airport lounge access based on eligible spending criteria
- Travel rewards through the Scapia ecosystem
- Flight booking offers
- International merchant acceptance
Fees
| Charges | Details |
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Forex Markup | 0% |
Best For
- International travellers
- Students going abroad
- Frequent business travellers
- Online international purchases
3. Niyo Global Card (SBM Bank)
The Niyo Global Card has become one of the preferred travel cards for students, professionals, freelancers, and tourists travelling abroad. Instead of paying high forex conversion fees, users can spend internationally at competitive exchange rates.
Features
- Zero forex markup
- International ATM withdrawals (subject to applicable charges)
- Global acceptance
- Mobile app support
- Instant card management
Benefits
- Save on overseas spending.
- Useful for international education expenses
- Accepted across multiple countries
- Secure online international payments
Fees
| Charges | Details |
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Forex Markup | 0% |
Best For
- Students studying abroad
- International travellers
- Digital nomads
- Remote professionals
Also Read: How to Get Instant Loan on SBI Credit Card
Cashback, UPI & Travel Comparison
| Feature | OneCard | Scapia | Niyo Global |
| Cashback/Rewards | ★★★★★ | ★★★★☆ | ★★★☆☆ |
| UPI Compatible | Yes | Limited | Limited |
| Zero Forex Markup | No | Yes | Yes |
| International Usage | Yes | Excellent | Excellent |
| Airport Lounge Access | Selected Offers | Yes* | No |
| Virtual Card | Yes | Yes | Yes |
| Contactless Payments | Yes | Yes | Yes |
Who Should Choose Which Card?
Choose OneCard If You:
- Prefer cashback and reward points.
- Spend frequently on shopping and dining.
- Want a premium metal credit card.
- Like managing everything through a mobile app.
Choose Scapia If You:
- Travel internationally several times a year.
- Want to avoid forex markup charges.
- Prefer travel rewards and airport benefits.
- Need a lifetime-free travel card.
Choose Niyo Global If You:
- Are studying or working abroad.
- Need an international payment card.
- Frequently shop on international websites.
- Want simple overseas spending with competitive exchange rates.
Eligibility Criteria
Although eligibility differs by issuer, applicants generally need:
| Requirement | Details |
| Age | 18 years or above |
| Citizenship | Indian Resident |
| PAN Card | Required |
| Aadhaar Card | Required |
| Mobile Number | Linked with Aadhaar |
| Credit Score | 700+ preferred |
Also Read: Udyam Credit Card Scheme: Check Out
How to Apply for a Credit Card
- Visit the official website or mobile app of the respective card provider.
- Check your eligibility.
- Complete the online application.
- Upload KYC documents.
- Complete video KYC or digital verification if required.
- Receive approval.
- Start using the virtual card immediately (where available).
- Receive the physical card by courier.
Conclusion
SBM Bank’s partnerships with leading fintech brands have created a range of modern credit cards tailored to different lifestyles. If your priority is cashback and everyday rewards, the OneCard Metal Credit Card is a strong choice.
Frequent travellers who want to avoid foreign exchange charges may prefer the Scapia Travel Card, while students and professionals travelling overseas can benefit from the Niyo Global Card. Before applying, compare fees, rewards, travel benefits, and eligibility to choose the card that best fits your spending habits and financial goals.