BOBCARD Limited
Uni GoldX
Annual Fee
Lifetime FreeBase Reward
1% cashback
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
Merchant-Specific Rewards
Amazon
Up to 5% on Uni Store vouchers
Zomato
Up to 5% on Uni Store vouchers
Myntra
Up to 5% on Uni Store vouchers
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, wallet, emi, cash advance, government
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
1% CashBack on transactions of ₹100 or above made via GoldX UPI.
Benefits & Features
Unlimited 7% back on flights. Valid on all domestic & international flights.
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.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks