A head-to-head comparison of HDFC Shoppers Stop RuPay and Uni GoldX RuPay Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.
Fashion & UPI
UPI + Everyday Digital Payments
| Feature | HDFC Shoppers | Uni GoldX |
|---|---|---|
| Annual Fee | ₹299 (No waiver — ₹2L spend gives bonus First Citizen Points instead) | Lifetime Free |
| Reward Rate | UPI + Retail Rewards | Up to 5% rewards on UPI and eligible spends |
| Best For | Fashion & UPI | UPI + Everyday Digital Payments |
| First-Card Friendly | ||
| Lounge Access | ||
| Zero Forex Markup |
Which categories does each card reward?
| Category | HDFC Shoppers | Uni GoldX |
|---|---|---|
| UPI payments | ||
| Everyday spending |