Scapia vs Uni Gold X (Uni Card)
Which credit card is better for you? Fees, rewards & charges side by side.
Scapia and the Uni Gold X card (often just called the Uni card) look alike: both are lifetime free, both charge 0% forex abroad, and both work on UPI as RuPay cards.
The big difference is what you get back. Scapia pays you in Scapia Coins that you can only use for travel bookings in the Scapia app. Uni Gold X pays you in 24K digital gold that you can sell in the Uni app.
| Uni × BOBCARD
GoldX
RuPay
| |
|---|---|---|
| Apply Now → | Apply Now → | |
| Annual fee | Lifetime Free | Lifetime Free |
| Joining fee | FREE | FREE |
| Our rating | ★ 4.6 | ★ 4.3 |
| Rewards | 1% – 4% value back | 1% – 5% back in gold |
| Best for | Travellers and anyone who spends abroad | People who like saving in gold and travellers who spend abroad |
| Top benefits | 🌍 0% forex ♾️ Unlimited lounges 🧳 4% back | 🪙 1% in 24K gold 🌍 0% forex 📲 1% on UPI |
| Lounge access | Unlimited domestic (₹20k/month spend) | None |
| Fee waiver | Lifetime free — no joining or annual fee | Lifetime free — no joining or annual fee |
| Min. income | ₹5 lakh/year | No minimum stated |
| Credit score | 750+ | 700+ |
| Forex markup | 0% | 0% |
| Interest | 3.75%/month (45% p.a.) | 3.99%/month (47.88% p.a.) |
| Cash withdrawal | 2.5% | 2.5% (min ₹300) |
| Late fee | ₹0 – ₹1,300 by bill amount | ₹100 – ₹1,300 by bill amount |
| Apply Now → | Apply Now → |
Quick verdict
The Scapia Credit Card is lifetime free and gives 1% – 4% value back. The Uni Gold X Credit Card is lifetime free and gives 1% – 5% back in gold. Our rating: Scapia ★ 4.6, Uni Gold X ★ 4.3.
Choose…
- Scapia if you are: travellers and anyone who spends abroad. 0% forex in 180+ countries · Unlimited lounges domestic, on ₹20k monthly spend · 4% back on Scapia app travel bookings.
- Uni Gold X if you are: people who like saving in gold and travellers who spend abroad. 1% in 24K gold on every eligible spend · 0% forex on international spends · 1% on UPI RuPay scan & pay.
In rupees: what you'd get back
- You spend ₹20,000 a month on the card (not UPI): Scapia: about ₹400 back in coins (2%) and unlimited domestic lounge access that month · Uni Gold X: about ₹200 back in gold (1%)
- You pay ₹10,000 a month by UPI: Scapia: about ₹100 back (1%) · Uni Gold X: about ₹100 back in gold (1% on ₹100+ payments)
- You book a ₹50,000 trip: Scapia: about ₹2,000 back if booked in the Scapia app (4%) · Uni Gold X: up to ₹500 in gold, if the spend is eligible
- You spend ₹1 lakh abroad: Both: 0% forex, so you save about ₹3,500 compared with a typical 3.5% card · Uni Gold X gives no gold on international spends
Approximate, based on the reward rates on each card page. Caps and excluded spends can lower these amounts.
Our pick
- Get the Scapia if you travel at least a few times a year, will book through the Scapia app, and spend ₹20,000+ a month (for lounge access).
- Get the Uni Gold X if you want rewards you can cash out, don't want to be tied to one travel app, or spend less each month.
❓ Common questions
Is the Uni Gold X card lifetime free?
Yes. It has no joining fee and no annual fee. Scapia is also lifetime free.
Which is better for international travel?
Both charge 0% forex markup. Scapia adds domestic lounge access (on ₹20,000 monthly spend) and travel coins; Uni Gold X gives no gold back on international spends.
What can I do with Scapia Coins?
You can use them for flights, hotels and buses booked in the Scapia app. They can't be cashed out.
Can I sell the gold from Uni Gold X?
Yes. The 24K digital gold is held by Augmont and you can sell it in the Uni app. Its value goes up and down with the gold price.
Can I hold both cards?
Yes — both are free to keep. Many people use Scapia for travel and Uni Gold X for everyday UPI. Each bank decides on its own application.