fintech
BOBCARD Uni GoldX Credit Card
visagoldcreditshopping
Annual Fee
FREE
Base Reward
1% points
4.4/5
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% Digital Gold
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Amazon
online
5% Digital Gold
Zomato
online
5% Digital Gold
Myntra
online
5% Digital Gold
Rewards Details
Earn rewards of up to 5% when purchasing vouchers from leading brands, including Amazon, Zomato, Myntra, and others.
Reward Points — Redemption Value
- 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
fuelrent
Partner Merchants
AmazonZomatoMyntra
Fees & Charges
Annual FeeFREE
Joining FeeNil
Interest Rate3.99% per Month or 47.88% Annually
Cash Advance2.5% or a Minimum Fee of ₹300
Eligibility
Min Age
21 yrs
Networks
visa