Scapia Federal Bank Credit Card (Visa + complimentary RuPay) vs Uni GoldX Credit Card (BOBCARD)
Last verified 18 Oct 2026 · how we compare
Side by side
| Feature | Scapia Federal Bank Credit Card (Visa + complimentary RuPay) | Uni GoldX Credit Card (BOBCARD) |
|---|---|---|
| Issuer | Federal Bank | BOBCARD Limited (Bank of Baroda subsidiary) |
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Fee waiver | Zero joining and annual fees | Lifetime free; no joining or annual fee |
| Everyday spends (value back) | 2% | 1% |
| Online shopping (value back) | 2% | 1% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 2% | – |
| UPI (value back) | 1% | 1% |
| Travel (value back) | 4% | – |
| Bills and utilities (value back) | 0% | 0% |
| Dining and food delivery (value back) | 2% | 1% |
| Rewards in short | Visa earns 10 rewards per ₹100 (2% value as Scapia Coins for app travel); RuPay earns 5 per ₹100 on UPI and spends of ₹500+; zero forex markup; unlimited domestic lounge at ₹20,000 monthly spend. | Flat 1% value back in Uni Coins on eligible spends (1 coin per ₹1, each coin worth 1 paisa), higher on Uni Store vouchers, with no forex markup and no fees; no coins on fuel, rent, utilities, wallet loads or international spends. |
| Works on UPI | Yes (RuPay) | Yes (RuPay) |
| Airport lounge | Unlimited domestic lounge visits, or complimentary dining, shopping or spa at the airport, in any month after spending ₹20,000 in the preceding month. | Not published by the bank |
| Forex markup | 0% | 0% |
| Fuel surcharge waiver | Not published by the bank | 1% waiver on fuel transactions up to ₹7,500, max ₹500 per statement cycle; a separate 1% fee applies to single fuel transactions of ₹10,000 or more. Fuel spends that get the waiver earn no Uni Coins. |
| Card network | Visa, RuPay | Visa, RuPay |
| Minimum income (salaried) | Not published by the bank | Not published by the bank |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the Scapia Federal Bank Credit Card (Visa + complimentary RuPay) if
you travel, will book through the Scapia app and want lounge visits
Lifetime free
Pick the Uni GoldX Credit Card (BOBCARD) if
you make many small UPI payments or want a fuel surcharge waiver
Lifetime free
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which is better for UPI, Scapia or Uni GoldX?
Both pay 1% on UPI through their RuPay cards. Scapia's RuPay card doesn't earn on payments below ₹500, while Uni GoldX may pay nothing only on UPI payments under ₹100, so Uni GoldX earns on more everyday UPI payments.
Does Uni GoldX have lounge access?
BOBCARD doesn't publish lounge access for Uni GoldX. Scapia gives unlimited domestic airport lounge visits, or complimentary dining, shopping or spa at the airport instead, with ₹20,000 of monthly spend.
Do Scapia or Uni GoldX earn on spends abroad?
Both charge no forex markup, so foreign-currency spends cost nothing extra. Uni GoldX gives no coins on international spends. Scapia's terms list forex transactions among spends that earn no rewards, so check with Federal Bank before counting on coins abroad.
Do they earn on fuel, rent or bills?
No. Neither earns on fuel, rent, utility bills, wallet loads or government payments. Uni GoldX waives the 1% fuel surcharge on fuel transactions up to ₹7,500, up to ₹500 a statement cycle, but charges a 1% fee on single fuel transactions of ₹10,000 or more. Federal Bank doesn't publish a fuel surcharge waiver for Scapia.
Full details: Scapia Federal Bank Credit Card (Visa + complimentary RuPay) · Uni GoldX Credit Card (BOBCARD) · find the card that fits your spending
Last verified 18 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.