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| Feature | Federal Bank Scapia Federal Credit Card | BOBCARD BOBCARD Uni GoldX Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Federal Bank | BOBCARD |
| Network | Visa + RuPay | Visa + RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 2% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Travel & hotels | 4% · Scapia travel booking Coins | 1% · Uni Coin base earn |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | Unlimited domestic airport lounge visits | No complimentary airport lounge access recorded |
| Forex markup | 0% | 0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 14 Sept 2026 | 23 Sept 2026 |
| Best suited to | Holiday travelers, overseas shoppers, and digital nomads seeking zero forex markup. | Fee-averse users who value simple domestic Uni Coin rewards, RuPay UPI and zero issuer forex markup. |
| Main trade-off | Lounge access requires ₹20,000 combined monthly spend across the Scapia Visa and RuPay cards. Redemptions are tied to the Scapia travel portal. | Zero forex does not also earn rewards: the current Uni terms exclude international transactions from Uni Coins. Rent, fuel, wallets, cash and money transfers are also excluded. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
