Synopsis: Cashback SBI Card and UNI GoldX are two rewarding credit cards with different benefits. While Cashback SBI Card focuses on online cashback, UNI GoldX offers rewards across UPI, travel, movies, and DigiGold. This article compares both cards to help you choose the one that best fits your spending style in 2026.
Credit card rewards have evolved beyond simple cashback, with users now seeking benefits that align with their lifestyle and financial goals. While cashback cards provide instant savings, newer cards like UNI GoldX combine rewards with UPI benefits, travel perks, and DigiGold options, offering a wider range of value.
1. UNI GoldX Credit Card
- Fees:
- Joining Fee/Annual Fee: ₹0 (lifetime free)
- Rewards & Benefits:
- Earn unlimited 1% rewards on eligible spends through UNI Coins.
- Convert UNI Coins into 24K DigiGold powered by Augmont.
- UNI Coins are converted into DigiGold at the prevailing gold price applicable at the time of redemption.
- Earn rewards on eligible UPI merchant transactions.
- Get a complimentary RuPay virtual credit card that can be linked with UPI apps for merchant payments.
- Get 50% back (up to ₹250/month) on PVR & INOX movie tickets with a minimum monthly card spend of ₹10,000.
- Earn up to 5X rewards when shopping through the UNI Store.
- Get up to 8% back on selected partner merchants.
- Get 5% back on vouchers for brands such as Amazon, Flipkart, Myntra, Swiggy, Zomato, BigBasket, Nykaa, and Tata CliQ through the UNI Store.
- Earn unlimited 7% back on flight bookings made via the UNI Store (no minimum spend or reward cap).
- Get 1% fuel surcharge waiver on eligible fuel transactions, with savings of up to ₹500 per billing cycle.
- Convert DigiGold into cash or physical gold anytime (subject to applicable terms).
- International Benefits:
- Zero forex markup fee on international transactions.
- App Features:
- 100% digital onboarding with instant card controls through the UNI app, including card lock/unlock, limit management, PIN reset, and card detail access.
To apply for this card, please visit the Official Website
Also read: 3 Best IndusInd Lifetime-Free Credit Cards Compared: Is the IndusInd Tiger the Best Pick?
2. Cashback SBI Card
- Fee
- Joining Fee: ₹999 + applicable taxes
- Annual Fee: ₹999 + applicable taxes
- Annual fee reversal on spending ₹2 lakh or more in a year
- Benefits
- 5% cashback on online spends without merchant restrictions
- 1% cashback on offline spends
- Maximum cashback capped at ₹4,000 per statement cycle
- Cashback automatically credited within 2 days of the next statement generation
- 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at petrol stations across India (maximum ₹100 per statement cycle)
To apply for this card, please visit the Official Website
A ₹20,000 Monthly Spend Comparison
- Online Shopping: ₹10,000
- UPI Merchant Payments: ₹5,000
- Flight Bookings: ₹3,000
- Movie Tickets: ₹2,000
Note: This illustration assumes all spends qualify for the respective reward categories. Shopping and flight rewards on the UNI GoldX Credit Card are applicable through the UNI Store, while SBI Cashback rewards are subject to the card’s terms and the maximum cashback limit of ₹4,000 per statement cycle. Movie benefits are based on the respective card offers and applicable terms and conditions.
Which Card Is Right for You?
- The UNI GoldX Credit Card is the best option if you are an active user of UPI for merchant transactions, frequent traveler, or someone who travels overseas. Lifetime free membership, zero percent foreign exchange conversion charges, and rewards which can be redeemed in 24K DigiGold, cash, or gold makes it a great credit card option.
- The SBI Cashback Credit Card is the right choice if your expenses are dominated by online shopping and you prefer statement cashback than reward points. If you can spend ₹2 lakhs per year to waive off the annual fee, then this card can serve as a good option for you.
