{"id":10870,"date":"2026-07-13T15:21:31","date_gmt":"2026-07-13T09:51:31","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=10870"},"modified":"2026-07-13T15:21:39","modified_gmt":"2026-07-13T09:51:39","slug":"4-best-neobank-credit-cards-compared-uni-goldx-vs-sbm-novio-vs-scapia-federal-vs-kiwi-rupay-which-one-offers-the-best-benefits","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/4-best-neobank-credit-cards-compared-uni-goldx-vs-sbm-novio-vs-scapia-federal-vs-kiwi-rupay-which-one-offers-the-best-benefits\/","title":{"rendered":"4 Best Neobank Credit Cards Compared: UNI GoldX vs SBM Novio vs Scapia Federal vs Kiwi RuPay &#8211; Which One Offers the Best Benefits?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>Neobank credit cards are gaining popularity due to features such as lifetime-free fees, digital onboarding, UPI integration, and customised rewards. This article compares four popular cards based on rewards, benefits, fees, and suitability for different users.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>In the digital era, credit card access has changed significantly, with neobanks offering lifetime-free credit cards, digital onboarding, UPI compatibility, and customised rewards. These cards cater to travellers, cashback enthusiasts, first-time credit users, and digital gold investors. Choosing the right card depends on spending habits and financial goals.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3323169895\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-scapia-federal-credit-card\" style=\"font-size:22px\"><strong>1. <a href=\"https:\/\/bitli.in\/0c3tags\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Scapia Federal Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/0c3tags\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Federal-Bank-Scapia-Credit-Card-1024x683.jpg\" alt=\"Federal Bank Scapia Credit Card (RuPay\/ViSa)\" class=\"wp-image-1554\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Federal-Bank-Scapia-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Federal-Bank-Scapia-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Federal-Bank-Scapia-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fees:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee\/Annual Fee: <\/strong>\u20b90 (lifetime free)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Rewards &amp; Benefits:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Earn up to 10% rewards on eligible merchant spends across India.<\/li>\n\n\n\n<li>Earn up to 20% rewards on travel bookings made through the Scapia app.<\/li>\n\n\n\n<li>Earn 5% rewards on eligible UPI transactions of \u20b9500 or more.<\/li>\n\n\n\n<li>Scapia Coins are credited on the statement date and can be redeemed through the Scapia app.<\/li>\n\n\n\n<li>Redeem Scapia Coins for flights, hotels, buses, trains, stays, and other travel bookings.<\/li>\n\n\n\n<li>Access <strong>5 lakh+ stays and global airline options<\/strong> through the Scapia platform.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Travel Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Redeem Scapia Coins without caps and pay up to 100% of eligible travel bookings using coins.<\/li>\n\n\n\n<li>Conversion rate: <strong>5 Scapia Coins = \u20b91<\/strong> for travel bookings.<\/li>\n\n\n\n<li>Get unlimited domestic airport lounge access after meeting the monthly spend criteria of \u20b920,000 in the previous month.&nbsp;<\/li>\n\n\n\n<li>Access airport benefits such as dining, shopping, or spa services at 100+ domestic airports with rewards of up to \u20b91,000.<\/li>\n\n\n\n<li>Get international airport benefits with up to \u20b92,000 back on eligible duty-free dining\/shopping spends when booking international flights of \u20b950,000+ through the Scapia app.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for this card, please visit the <strong><a href=\"https:\/\/bitli.in\/0c3tags\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-kiwi-credit-card-yes-bank\" style=\"font-size:22px\"><strong>2. <a href=\"https:\/\/bitli.in\/55qJvS5\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Kiwi Credit Card (YES BANK)<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/55qJvS5\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-1024x683.jpg\" alt=\"Kiwi RuPay Credit Card\" class=\"wp-image-1858\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fees:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee\/Annual Fee:<\/strong> \u20b90 (lifetime free)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Rewards &amp; Benefits&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Earn 1.5% cashback on UPI Scan &amp; Pay transactions.<\/li>\n\n\n\n<li>Earn 0.5% cashback on online spends.<\/li>\n\n\n\n<li>Earn up to 5% cashback through milestone rewards and Kiwi Neon benefits.<\/li>\n\n\n\n<li>Earn 2 reward points per \u20b9200 spent on non-UPI transactions.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Additional Benefits&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Complimentary airport lounge access for eligible Kiwi Neon members (subject to terms and spending conditions).&nbsp;<\/li>\n\n\n\n<li>1% fuel surcharge waiver on transactions between \u20b9500 and \u20b93,000.<\/li>\n\n\n\n<li>Maximum fuel surcharge waiver: \u20b9250 per statement cycle.<\/li>\n\n\n\n<li>Forex markup fee: 2.75%.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Other Benefits:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Powered by the RuPay network, enabling UPI linkage with supported UPI apps.<\/li>\n\n\n\n<li>Virtual RuPay credit card with no physical card issued.<\/li>\n\n\n\n<li>Make credit card payments through UPI Scan &amp; Pay at eligible merchant outlets.<\/li>\n\n\n\n<li>100% digital onboarding through the Kiwi app.&nbsp;<\/li>\n\n\n\n<li>Manage transactions, cashback, and rewards through the Kiwi app.<\/li>\n\n\n\n<li>Existing YES BANK credit card holders may not be eligible for this card<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for this card, please visit the <strong><a href=\"https:\/\/bitli.in\/55qJvS5\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1056224396\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-sbm-novio-rupay-fd-credit-card\" style=\"font-size:22px\"><strong>3. <a href=\"https:\/\/bitli.in\/C4S3ZNd\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">SBM Novio RuPay FD Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/C4S3ZNd\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-13-2026-02_54_00-PM-1-1024x683.png\" alt=\"SBM Novio RuPay FD Credit Card\" class=\"wp-image-10962\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-13-2026-02_54_00-PM-1-980x653.png 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-13-2026-02_54_00-PM-1-480x320.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fees &amp; Features:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>FD Requirement:<\/strong> Starts from \u20b92,000.<\/li>\n\n\n\n<li><strong>FD Range:<\/strong> \u20b92,000 to \u20b95 lakh.<\/li>\n\n\n\n<li><strong>Credit Limit:<\/strong> Up to 90% of the FD amount.<\/li>\n\n\n\n<li><strong>FD Interest:<\/strong> Up to 7% per annum.<\/li>\n\n\n\n<li><strong>Interest-free Period:<\/strong> Up to 45 days.<\/li>\n\n\n\n<li><strong>Instant virtual card<\/strong> after opening the FD.<\/li>\n\n\n\n<li><strong>Physical card<\/strong> available for FDs of \u20b910,000 or above.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Rewards &amp; Benefits<\/strong>:\n<ul class=\"wp-block-list\">\n<li>Earn <strong>5% Novio Coins<\/strong> on UPI transactions.<\/li>\n\n\n\n<li>Earn <strong>5% Novio Coins<\/strong> on offline (store\/POS) spends.<\/li>\n\n\n\n<li>Earn <strong>10% Novio Coins<\/strong> on fuel purchases.&nbsp;<\/li>\n\n\n\n<li>Redeem Novio Coins for savings on partner brands and offers.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Welcome Benefits:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Get welcome benefits worth <strong>up to \u20b95,000<\/strong> from partner brands such as <strong>PharmEasy, Yatra, and AJIO<\/strong>.<\/li>\n\n\n\n<li>Unlock welcome benefits by spending \u20b92,500 within the first 30 days of card issuance (as per applicable terms).&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Shopping Offers&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>BookMyShow:<\/strong> Buy 1 Get 1 Free offer (up to \u20b9250) on a minimum spend of \u20b9500 using the Novio Credit Card.<\/li>\n\n\n\n<li><strong>Amazon:<\/strong> Get 5% discount on selected categories at Amazon.in. Save up to \u20b91,000 on \u20b920,000 spends, \u20b9500 on \u20b910,000 spends, \u20b9250 on \u20b95,000 spends, and \u20b9100 on \u20b92,000 spends (subject to terms and availability).<\/li>\n\n\n\n<li><strong>Zepto:<\/strong> Get 10% cashback (up to \u20b950 per transaction) on orders above \u20b9499, available up to 3 times per month (maximum savings up to \u20b9150 per month).<\/li>\n\n\n\n<li><strong>Swiggy:<\/strong> Get 20% discount on orders above \u20b9499 (subject to applicable terms).<\/li>\n\n\n\n<li>Potential savings of up to \u20b923,000 annually through partner offers (subject to availability and applicable terms).&nbsp;&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for this card, please visit the <strong><a href=\"https:\/\/bitli.in\/C4S3ZNd\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2847544456\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/3-best-upi-enabled-credit-cards-that-offer-massive-cashback-on-every-upi-payment\/\" target=\"_blank\" rel=\"noreferrer noopener\">3 Best UPI-Enabled Credit Cards That Offer Massive Cashback on Every UPI Payment<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-uni-goldx-credit-card\" style=\"font-size:22px\"><strong>4. <a href=\"https:\/\/bitli.in\/vH5Hcs0\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">UNI GoldX Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/vH5Hcs0\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/UNI-Gold-X-1024x683.jpg\" alt=\"UNI GoldX Credit Card\" class=\"wp-image-10963\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/UNI-Gold-X-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/UNI-Gold-X-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/UNI-Gold-X-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fees:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee\/Annual Fee:<\/strong> \u20b90 (lifetime free)<\/li>\n\n\n\n<li><strong>Interest-free period: <\/strong>Up to 47 days (depending on billing cycle).&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Rewards &amp; Benefits<\/strong>:\n<ul class=\"wp-block-list\">\n<li>Earn unlimited 1% rewards on eligible spends through UNI Coins.<\/li>\n\n\n\n<li>Convert UNI Coins into 24K DigiGold powered by Augmont.<\/li>\n\n\n\n<li>UNI Coins are converted into DigiGold at the prevailing gold price applicable at the time of redemption.<\/li>\n\n\n\n<li>Earn rewards on eligible UPI merchant transactions.<\/li>\n\n\n\n<li>Get a complimentary RuPay virtual credit card that can be linked with UPI apps for merchant payments.&nbsp;<\/li>\n\n\n\n<li>Earn up to 5X rewards when shopping through the UNI Store.<\/li>\n\n\n\n<li>Get up to 8% back on selected partner merchants.<\/li>\n\n\n\n<li>Get 5% back on vouchers for brands such as Amazon, Flipkart, Myntra, Swiggy, Zomato, BigBasket, Nykaa, and Tata CliQ through the UNI Store.<\/li>\n\n\n\n<li>Earn unlimited 7% back on flight bookings made via the UNI Store (no minimum spend or reward cap).<\/li>\n\n\n\n<li>Convert DigiGold into cash or physical gold anytime (subject to applicable terms).&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>International Benefits:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Zero forex markup fee on international transactions.&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>App Features<\/strong>:\n<ul class=\"wp-block-list\">\n<li>100% digital onboarding with instant card controls through the UNI app, including card lock\/unlock, limit management, PIN reset, and card detail access.&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for this card, please visit the <strong><a href=\"https:\/\/bitli.in\/vH5Hcs0\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-neobank-credit-card-is-right-for-you\" style=\"font-size:22px\"><strong>Which Neobank Credit Card is Right for You?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Scapia Federal Credit Card is <\/strong>Ideal for frequent travellers who want travel rewards, airport lounge access, and benefits on flights, hotels, and other travel bookings through the Scapia app.<\/li>\n\n\n\n<li><strong>Kiwi YES BANK RuPay Credit Card <\/strong>is suitable for users who make regular UPI payments and want cashback rewards on everyday transactions through RuPay UPI payments.<\/li>\n\n\n\n<li><strong>SBM Novio RuPay FD Credit Card is a<\/strong> good option for beginners or users with limited credit history, as it is backed by a fixed deposit and helps build credit while earning rewards.<\/li>\n\n\n\n<li><strong>UNI GoldX Credit Card is <\/strong>suitable for users who want to earn DigiGold through everyday spending, benefit from zero forex markup, and access lifestyle offers through UNI Store.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: Neobank credit cards are gaining popularity due to features such as lifetime-free fees, digital onboarding, UPI integration, and customised rewards. This article compares four popular cards based on rewards, benefits, fees, and suitability for different users. In the digital era, credit card access has changed significantly, with neobanks offering lifetime-free credit cards, digital onboarding, [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":5524,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[3786,3785],"ppma_author":[3332],"class_list":["post-10870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-neo-bank-credit-card-india","tag-neobank-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4 Best Neobank Credit Cards Compared: UNI GoldX vs SBM Novio vs Scapia Federal vs Kiwi RuPay - Which One Offers the Best Benefits?<\/title>\n<meta name=\"description\" content=\"Neobank credit cards are gaining popularity due to features such as lifetime-free fees, digital onboarding, UPI integration, and customised rewards. 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