BOBCARD Uni GoldX vs SBI SimplySAVE 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 → |  SBI SimplySAVE Credit CardState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends | 0.17% base, up to 1.67% on dining | |
| UPI payments (scan and pay) | 1% | Earns nothing | |
| Online shopping | 1% | 0.17% | |
| Dining and food delivery | 1% | 1.67% | |
| Groceries | 1% | 1.67% | |
| Travel: flights, hotels, trains | 1% | 0.17% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | 0.17% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 1% | 0.17% | |
| School and college fees | Earns nothing | 0.17% | |
| Wallet top-ups | Earns nothing | 0.17% | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | Earns nothing | 0.17% | |
| Everything else | 1% | 0.17% | |
| Card identity | |||
| Card type | Rewards | Dining | |
| Networksame | Visa | Visa | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining fee | Free | ₹499 + GST | |
| Annual fee | Free | ₹499 + GST | |
| Lifetime free | Yes | No | |
| Fee waived at | - | ₹1,00,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 60 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹500 | ₹100 | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 3.99% | 3.75% | |
| Interest rate (annual) | 47.88% | 45% | |
| Page content | |||
| 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
- ₹1,320
- Fee a year
- ₹0
- You keep
- ₹1,320
At this spend, BOBCARD Uni GoldX Credit Card comes out ₹1,080 a year ahead of SBI SimplySAVE 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
- First-time card users
- Families with regular grocery bills
- People who eat out often
Watch-Outs
- No lounge access or travel perks
- Best rates only through the Uni app
- 1% base is fine but not high
- Very low rate outside 10X categories
- Accelerated points are capped monthly
- No lounge access
Card data sourced via CardAdvisor.in (BOBCARD Uni GoldX Credit Card, SBI SimplySAVE 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 SBI SimplySAVE Credit Card?
BOBCARD Uni GoldX Credit Card. BOBCARD Uni GoldX Credit Card: no annual fee; SBI SimplySAVE Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
BOBCARD Uni GoldX Credit Card has the lowest forex markup. BOBCARD Uni GoldX Credit Card: 0%; SBI SimplySAVE Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: BOBCARD Uni GoldX Credit Card 1%, SBI SimplySAVE Credit Card 0.17%. 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.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
