BOBCARD Uni GoldX vs Federal Scapia Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 28 September 2026.
| Feature |  BOBCARD Uni GoldX Credit CardBank of Baroda2 recent changes → |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends | 2% on most spends; 4% only at partner merchants | |
| UPI payments (scan and pay) | 1% | 2% | |
| Online shopping | 1% | 2% | |
| Dining and food delivery | 1% | 2% | |
| Groceries | 1% | 2% | |
| Travel: flights, hotels, trains | 1% | 2%; 4% only at Scapia app | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | Earns nothing | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 1% | Earns nothing | |
| School and college fees | Earns nothing | 2% | |
| Wallet top-ups | Earns nothing | 2% | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | Earns nothing | 2% | |
| Everything else | 1% | 2% | |
| Card identity | |||
| Card type | Rewards | Travel | |
| Networksame | Visa | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining feesame | Free | Free | |
| Annual feesame | Free | Free | |
| Lifetime freesame | Yes | Yes | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 60 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min credit score | - | 730 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Fuel waiver cap | ₹500 | - | |
| Lounge access | |||
| Domestic lounge visits | - | 0 | |
| Domestic lounge unlimited | No | Yes | |
| International lounge visits | - | 0 | |
| Lounge condition | - | 20,000+ Per Month | |
| Forex and international | |||
| Forex markupsame | None | None | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 3.99% | 3.75% | |
| Interest rate (annual) | 47.88% | 45% | |
| Redemption | |||
| Redemption method | - | Vouchers, Air miles | |
| Page content | |||
| Eligibility | - | Age: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student | |
| Documents needed | PAN card (mandatory) Aadhaar, used for digital KYC Usually nothing to upload, as BOBCARD's application is fully digital | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, Federal Scapia Credit card comes out ₹2,400 a year ahead of BOBCARD Uni GoldX Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- First-time card users
- UPI-heavy spenders
- People who shop on foreign websites
- Anyone who wants rewards as gold
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
Watch-Outs
- No lounge access or travel perks
- Best rates only through the Uni app
- 1% base is fine but not high
- Coins redeem only for travel in the Scapia app
- No coins on fuel, insurance, utilities or rent
- Lounge access needs Rs 20,000 spend each month
Card data sourced via CardAdvisor.in (BOBCARD Uni GoldX Credit Card, Federal Scapia Credit card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, BOBCARD Uni GoldX Credit Card or Federal Scapia Credit card?
They charge the same annual fee. BOBCARD Uni GoldX Credit Card: no annual fee; Federal Scapia Credit card: no annual fee.
Which is better for spending abroad?
BOBCARD Uni GoldX Credit Card has the lowest forex markup. BOBCARD Uni GoldX Credit Card: 0%; Federal Scapia Credit card: 0%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: Federal Scapia Credit card 2%, BOBCARD Uni GoldX Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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