fintech
BOBCARD Uni GoldX Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Welcome Benefits
N/A
Product Highlights
- No joining fee or renewal fee applicable
- No Forex markup charges
- Rewards with appreciating value
Category Rewards
shopping
5% Digital Gold
5%
Merchant-Specific Rewards
Uni Store partner brands
Up to 5X Gold on Uni Store
Reward Calculator
Earns ₹3,000/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹3K
direct cashback
₹3K
via direct credit
Effective rate
1.92%
Annual fee
FREE
Year 1 net
+₹3,000
Year 2+ net
+₹3,000
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
rent, insurance, utilities, government, international txns, wallet load, cash advance
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn rewards of up to 5% when purchasing vouchers from leading brands, including Amazon, Zomato, Myntra, and others.
Redemption
Convert Uni Coins to 24K Digital Gold
Benefits & Features
1% Surcharge Waiver; Up to ₹7,500 Only
Pros & Cons
Pros
- No joining fee or renewal fee applicable
- No Forex markup charges
- Rewards with appreciating value
Cons
- No other lifestyle perks offered
- No airport lounge access offered
- No milestone perks available
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks