Uni GoldX vs SBI Cashback
Side-by-side comparison of fees, rewards, lounge access and eligibility.
| Feature | Uni GoldX | SBI Cashback |
|---|---|---|
| Bank | Uni / SBM | SBI Card |
| Network | Visa | Visa |
| Annual Fee | ₹0 | ₹999 |
| Joining Fee | ₹0 | ₹999 |
| Reward Type | digital-gold | cashback |
| Reward Highlight | Digital gold on spends | 5% online cashback (capped) |
| Forex Markup | 3.5% | 3.5% |
| Lounge | No | Limited / partner offers |
| Welcome | Welcome gold credit offer-led | Welcome cashback / voucher as per current offer |
| Eligibility income | ₹15000 | ₹25000 |
How to use this comparison
Credit-card detail or category comparison to match rewards with your spending.
How it works
Scan fees, rewards and eligibility, then compare against alternatives on the cards hub.
Practical tips
Check milestone and welcome benefit timelines before you switch.
Important to know
Issuer terms change — verify on the bank site.
Frequently Asked Questions
- Which is better: Uni GoldX or SBI Cashback?
- It depends on spending. Uni GoldX suits cashback & shopping users; SBI Cashback suits cashback & shopping users. Compare fees, rewards and lounge needs side by side.
- Which has the lower annual fee?
- Uni GoldX is lower at ₹0 vs ₹999.
- Which is better for forex spends?
- Both show 3.5% forex markup (indicative).
- Do both offer lounge access?
- Uni GoldX: No. SBI Cashback: Limited / partner offers.
- Are these offers final?
- No — catalog figures are indicative. Confirm fees, rewards and eligibility on each issuer’s official page.