All Cards
rupaygoldcredit
Uni GoldX
BOBCARD Limited
shoppingonlinetravel
Annual Fee
FREE
Joining Fee
Zero Joining Fee
Base Reward
1% cashback
Interest Rate
Upto 3.99% per month (Upto 47.88% annually)
Product Highlights
- 100% Lifetime Free
- Zero Annual Fee
- Zero Cash Withdrawal Fee on each transaction
- Up to 8% back on top brands
- Unlimited 7% back on flights
- 1% back on all transactions
Rewards
1% CashBack on transactions of ₹100 or above made via GoldX UPI.
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| amazon | 5% cashback | online |
| Zomato | 5% cashback | online |
| Myntra | 5% cashback | online |
| flights | 7% cashback | online |
Benefits & Features
Unlimited 7% back on flights. Valid on all domestic & international flights.
Fees & Charges
Annual FeeFREE
Joining FeeZero Joining Fee
Interest RateUpto 3.99% per month (Upto 47.88% annually)
Cash Advance2.5% of amount, Min ₹300
Eligibility
Available Networks
rupayvisamastercard
Pros & Cons
Pros
- Lifetime free with no annual fee
- No minimum spends required
- Cashback on UPI transactions
- No reward capping
- No minimum spend required
- Zero Forex Fee for international transactions
Cons
- 1% cashback only applicable on UPI transactions of ₹100 or above
- Surcharges on certain transactions
Additional Info
Interest-free period of up to 50 days, including a 3-day grace period.
Cashback rewards are subject to changes, revision, limits, and exclusions.
Late payment fees vary based on the total amount due.