NEW LAUNCH
Joining FeeFree
Renewal FeeFree (LTF)
NetworkRuPay
Best for: Appreciating 24K Gold Rewards, UPI Payments, and Zero Forex Travel
Rewards: 1.00
Forex markup: 0% (Zero Forex)
Last verified 25 Oct 2026
2026 Edition4.4/5 Editorial Score
BOBCARD Uni GoldX Credit Card
Earn 1% Value Back as 24K Digital Gold on Spends & UPI with 0% Forex Markup
Best Suited For
Appreciating 24K Gold Rewards, UPI Scan & Pay, and Zero Forex International Spends
Joining Fee
Free
One-time upfrontAnnual Fee
Free
Lifetime Free — no renewal feeBase Rewards
1.00
On eligible spendsForex Markup
0% (Zero Forex)
Cross-currency spendsLast verified 25 Oct 2026
Why Consider This Card?
Objective editorial assessment, ideal spender profile, and primary trade-offs
Editorial Verdict
4.4/5 Editorial Score
The BOBCARD Uni GoldX is one of the most compelling entry-level co-branded credit cards in India. By combining a physical Visa card with a virtual RuPay companion sharing the same credit line, it solves both traditional merchant checkout and seamless UPI scan-and-pay. Its unique reward proposition—earning 1% value back directly into 24K Digital Gold via Augmont—appeals strongly to users who prefer accumulating long-term appreciating assets over short-lived points or cash credits. With 0% foreign exchange markup and genuine Lifetime Free terms, it punches far above its weight class.
Ideal For:Appreciating 24K Gold Rewards, UPI Scan & Pay, and Zero Forex International Spends
Card Strengths
- 100% Lifetime Free — Zero Joining & Annual Fee
- Uni Store Perks: 5% Vouchers & Unlimited 7% on Flights/Hotels
- 1% Fuel Surcharge Waiver up to ₹500 per Statement Cycle
Additional Cardholder Privileges
Rewards
1% Value Back1% Value Back in 24K Digital Gold
Earn 1 Uni Coin per ₹1 spent across online and offline retail purchases. 100 Uni Coins = ₹1 reward value, redeemable directly for 24K Digital Gold via Augmont or Uni Store vouchers.
Rewards
1% UPI Rewards1% on Merchant UPI via RuPay Companion
Link your virtual RuPay card to UPI apps (Google Pay, PhonePe, Paytm, CRED) to earn 1% value back on merchant scan-and-pay transactions of ₹100 or above.
Shopping
5%–8% VouchersUp to 5%–8% on Uni Store Vouchers
Enjoy 5% value back on gift cards and vouchers from top brands including Amazon, Flipkart, Myntra, Zomato, Swiggy, and Blinkit in the Uni Store, with select brands earning up to 8%.
Travel
7% Flights & HotelsUnlimited 7% on Flights & Hotel Bookings
Book flights and hotels through the Uni Store travel portal to earn an unlimited 7% value back in Uni Coins with no maximum cap and no minimum booking value.
Travel
0% Forex0% Foreign Currency Markup
Enjoy complete freedom from foreign exchange markups when using your primary Visa card internationally online or abroad. Note: international spends do not earn Uni Coins.
Fuel
Up to ₹500/mo Waiver1% Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver up to ₹500 per billing cycle on transactions up to ₹7,500 at all fuel stations across India. Fuel spends are excluded from Uni Coin earnings.
Other
Lifetime Free100% Lifetime Free
No joining fee, no annual charges, and no renewal fees for life. Enjoy premium gold-backed rewards without recurring ownership costs.
Rewards & Cashback Structure
Base earning rates, partner merchant acceleration, redemption options, and exclusions
- Reward Program Name
- Uni Coins (BOBCARD GoldX)
- Reward Currency
- Uni Coins
- Base Earn Rate
- 1.00
- Point Value (INR)
- ₹0.0100 per point
- Redemption Channels
- Uni Coins are earned as 1 coin per ₹1 eligible spend. 100 Uni Coins equal ₹1 in reward value (fixed valuation ₹0.01 per coin). Cardholders can convert Uni Coins into 24K Digital Gold managed by Augmont, or redeem for vouchers in Uni Store. Digital gold can be accumulated, sold for cash, or delivered physically as gold coins/bars subject to minting/delivery charges.
- Reward Point Expiry
- Uni Coins do not expire under regular active account operations.
Category Accelerated Earn RatesPublished Terms
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Retail & Online Spends | 1% value back in Uni Coins (1 Uni Coin per ₹1 spent; 100 coins = ₹1; convertible to 24K Digital Gold) | No Cap | Fuel, rent, wallet, cash, international, EMI, govt, utility |
| Merchant UPI Payments | 1% value back on merchant UPI scan-and-pay transactions of ₹100+ via virtual RuPay companion card | No Cap | P2P transfers, fuel, rent, wallet loads, cash advances |
| Uni Store Vouchers | 5% value back in Uni Coins on brand vouchers purchased in Uni Store (up to 8% on select promotional brands) | No Cap | Non-Uni Store purchases |
| Uni Store Flight Bookings | Unlimited 7% value back on domestic & international flight bookings through Uni Store (or lounge access option) | No Cap | Direct airline bookings outside Uni Store |
| Uni Store Hotel Bookings | Unlimited 7% value back on domestic & international hotel bookings through Uni Store | No Cap | Direct hotel bookings outside Uni Store |
Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs
Estimate Your Custom Monthly Rewards
Calculate estimated net cashback and points across your actual spending pattern.
Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.
Reward Calculator
Estimate Your Annual Rewards
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Verified Rates & Caps
Quick Select:
Total Monthly Spend:₹30,000 / month
₹5,000 / mo₹1 lakh / mo₹2 lakh / mo
Category Spend Allocation
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
Retail & Online Spends100.00%
No published cap
₹
Merchant UPI Payments100.00%
No published cap
₹
Uni Store Vouchers500.00%
No published cap
₹
Uni Store Flight Bookings700.00%
No published cap
₹
Uni Store Hotel Bookings700.00%
No published cap
₹
Excluded / Non-Reward Spends0%
Fuel, rent, wallet, govt, cash
₹
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Retail & Online Spends | ₹2,000 | 1% value back in Uni Coins (1 Uni Coin per ₹1 spent; 100 coins = ₹1; convertible to 24K Digital Gold) | — | None | Calculating... | Under cap |
| Merchant UPI Payments | ₹2,000 | 1% value back on merchant UPI scan-and-pay transactions of ₹100+ via virtual RuPay companion card | — | None | Calculating... | Under cap |
| Uni Store Vouchers | ₹2,000 | 5% value back in Uni Coins on brand vouchers purchased in Uni Store (up to 8% on select promotional brands) | — | None | Calculating... | Under cap |
| Uni Store Flight Bookings | ₹2,000 | Unlimited 7% value back on domestic & international flight bookings through Uni Store (or lounge access option) | — | None | Calculating... | Under cap |
| Uni Store Hotel Bookings | ₹2,000 | Unlimited 7% value back on domestic & international hotel bookings through Uni Store | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
Annual Spends
₹3.6 lakh
12 billing cyclesAnnual Capped Rewards
₹0
0% blended returnEffective Fee
₹0
Standard renewalNet Annual Value
+₹0 / yr
Rewards - Fee*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds (fee waived).
Multi-card comparatorAirport Lounge Access
Domestic and international lounge privileges, spend hurdles, and participating terminals
No Airport Lounge Access Included
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Fees & Charges
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
1. Card Membership Fees
- Joining Fee (1st Year)
- Free
- Annual / Renewal Fee (2nd Year Onwards)
- Free
- Annual Spend Fee Waiver
- Lifetime Free — no renewal fee
- Fee Terms Notes
- 100% Lifetime Free co-branded credit card with zero joining fee and zero annual charges. Card replacement fee is ₹100. Rental transactions incur 1.25% fee (min ₹100, MCC 6513). Fuel transactions of ₹10,000+ incur 1% fee. 1% surcharge on education payments via third-party platforms. 1% surcharge on utility transactions of ₹50,000 or above (max ₹3,000 per txn, MCC 4900). Forex markup fee is 0.00%.
2. International Spends
- Foreign Currency Markup (Forex)
- 0% (Zero Forex Markup)
- Dynamic Currency Conversion (DCC)
- Standard 1% mark-up on cross-currency INR transactions where applicable
3. Borrowing & Financing
- Monthly Interest Rate (Finance Charges)
- 3.99% per month
- Annualized Interest Rate (APR)
- 47.88% p.a.
- Cash Advance / ATM Withdrawal Fee
- ₹300
- Interest-Free Period
- Up to 50 Days
4. Other Charges & Taxes
- Late Payment Charges
- Slab-based: Up to ₹100: Nil; ₹100–₹500: ₹100; ₹501–₹1,000: ₹400; ₹1,001–₹10,000: ₹750; ₹10,001–₹25,000: ₹950; ₹25,001–₹50,000: ₹1,100; >₹50,000: ₹1,300
- Fuel Surcharge Waiver
- Get a 1% fuel surcharge waiver up to ₹500 per billing cycle on transactions up to ₹7,500 at all fuel stations across India. Fuel spends are excluded from Uni Coin earnings.
Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.
Verified Terms & Exclusions Summary
Dual-card account: primary physical Visa card + virtual RuPay companion card sharing the identical credit limit. 100% Lifetime Free (₹0 joining, ₹0 annual). 1% value back in Uni Coins (100 coins = ₹1) on eligible spends and merchant UPI transactions of ₹100+. Convertible to 24K Digital Gold via Augmont. 0% forex markup. Reward exclusions: fuel, rent, cash withdrawals, wallet loads, international txns, EMI, utilities, govt. Late fee: slab-based (Nil up to ₹100, up to ₹1,300 for >₹50,000). APR: up to 3.99% per month (47.88% per annum).
Is the Annual Fee Worth It?
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Eligibility & Application Requirements
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
- Age Requirement
- 21 – 60 years
- Employment Status
- Salaried or Self-Employed
- Recommended Credit Score (CIBIL)
- Not specified
- Residency
- Indian Resident
- Special Eligibility Notes
- Indian resident aged between 21 and 60 years. Salaried or self-employed individuals. Mandatory PAN and digital Aadhaar validation for online application. Income and credit score criteria are evaluated dynamically under BOBCARD underwriting guidelines.
Mandatory Verification Documents
1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.
2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.
3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.
Frequently Asked Questions
Common questions regarding BOBCARD Uni GoldX Credit Card application, fees, reward redemption, and eligibility
What is the joining and annual renewal fee for BOBCARD Uni GoldX Credit Card?
The joining fee for BOBCARD Uni GoldX Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Can the annual fee on BOBCARD Uni GoldX Credit Card be waived?
BOBCARD Uni GoldX Credit Card is a Lifetime Free credit card with no annual renewal fee, so no spend-based waiver is required.
What are the primary rewards and cashback earn rates on BOBCARD Uni GoldX Credit Card?
BOBCARD Uni GoldX Credit Card offers 1.00. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
Does BOBCARD Uni GoldX Credit Card offer complimentary airport lounge access?
No, BOBCARD Uni GoldX Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.
What is the minimum eligibility criteria and CIBIL score required for BOBCARD Uni GoldX Credit Card?
Key eligibility criteria for BOBCARD Uni GoldX Credit Card include age between 21 and 60 years, employment as Salaried or Self-Employed, residency status of Indian Resident. Approvals remain subject to card issuer verification and underwriting policies.
How do I apply for BOBCARD Uni GoldX Credit Card online?
You can apply directly through the official BOBCARD portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.
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