Union Bank Nexteria (RuPay Ekaa) vs SBM Paisabazaar Paisa+

Compare Union Bank Nexteria (RuPay Ekaa) vs SBM Paisabazaar Paisa+ across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Union Bank Nexteria (RuPay Ekaa) leads on reward rate, while SBM Paisabazaar Paisa+ has the lowest annual fee.

Card 1

Union Bank Nexteria (RuPay Ekaa)

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

SBM Paisabazaar Paisa+

Monthly spenders who want visible cashback without chasing complex reward conversions.6.0

Premium stack10.0

union / RUPAY

Union Bank Nexteria (RuPay Ekaa)

Annual

₹12,499

Return

Lounges

Unlimited

Forex

3.5%

Card summary

Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.

Pros

Strong benefit ceiling if you recover the ₹12,499 annual fee.
1% cashback keeps value easy to understand.
Unlimited lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Higher ₹25,00,000 income expectation narrows eligibility.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details

Balanced value6.0

sbm / VISA

SBM Paisabazaar Paisa+

Annual

₹499

Return

Lounges

Forex

3.5%

Card summary

SBM Paisabazaar Paisa+ leans cashback-first with ₹499 annual fee, 5% headline return potential, and 0 lounge access.

Pros

Strong benefit ceiling if you recover the ₹499 annual fee.
5% cashback keeps value easy to understand.
Simple everyday positioning without premium travel complexity.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel benefits are limited compared with premium cards.

Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

Union Bank Nexteria (RuPay Ekaa)

SBM Paisabazaar Paisa+

Fees

Annual fee

₹12,499

₹499

Joining fee

₹12,499

₹499

Rewards

Cashback rate

Reward rate

Travel

Forex markup

3.5%

Domestic lounges

Unlimited

International lounges

Unlimited

Benefits

Fuel waiver

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹25,00,000

₹30,000

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