Question 1

What is the BOBCARD Uni GoldX Credit Card?

Accepted Answer

It's a lifetime-free Co-branded credit card that rewards you in real 24K digital Gold on every eligible transaction. You earn 1% Gold across spends and up to 5% Gold when shopping through the Uni Store. Plus, it comes with zero forex markup, making it ideal for international travel.

Question 2

What are the features and benefits of the BOBCARD Uni GoldX Credit Card?

Accepted Answer

Here's a quick look at the top features and benefits of this premium card: 1% Gold on every transaction: Earn real 24K digital Gold with every purchase you make* (exclusions apply). Up to 5% Gold at Uni Store: Get up to 5% Gold when shopping for vouchers from top brands like Amazon, Zomato, Myntra, and more. Zero Forex Fees: No additional charges when you use your card internationally. Lifetime Free: Enjoy a lifetime of benefits with no joining fees and no annual charges. Fuel Surcharge Waiver: Get a waiver on fuel surcharges at petrol pumps across India. No Expiry on Rewards: Your Gold rewards never expire, and they can appreciate in value over time.

Question 3

How does the Gold reward system work?

Accepted Answer

For every eligible spend, you earn 1% in 24K digital Gold. This is in the form of Uni Coins, which you can convert to 24K Digital Gold. You can also earn up to 5% Gold when you purchase vouchers from popular brands like Amazon, Zomato, Myntra, MakeMyTrip, and more on the Uni Store.

Question 4

Is the Gold real and valuable?

Accepted Answer

Yes. The Gold you earn is real 24K digital Gold that holds actual market value. It's a tangible asset that doesn't expire and can grow over time—unlike traditional reward points. Gold price at the time of conversion is applicable.

Question 5

What are the fees for the BOBCARD Uni GoldX Credit Card?

Accepted Answer

There are no joining fees and no annual fees. The card is completely free for a lifetime.

Question 6

Does the card have foreign transaction fees?

Accepted Answer

No. The BOBCARD Uni GoldX Credit Card comes with zero forex markup, so you can shop and travel abroad without paying extra charges.

Question 7

Is there a fuel surcharge waiver?

Accepted Answer

Yes. You get a 1% fuel surcharge waiver across petrol pumps in India, helping you save more on every drive.

Question 8

How do I apply for the card?

Accepted Answer

You can apply for the BOBCARD Uni GoldX Credit Card by downloading the Uni app

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