What is the BOBCARD Uni GoldX Credit Card?

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.

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

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.

How does the Gold reward system work?

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.

Is the Gold real and valuable?

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.

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

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

Does the card have foreign transaction fees?

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

Is there a fuel surcharge waiver?

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

How do I apply for the card?

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

Credit Cards

RewardsMidMastercard✦ Uniorbit Platform Services Private Limited

BOBCARD Uni GoldX

Convert everyday spending into Digital Gold, zero annual fees

Annual feeLifetime Free

Rewards1.00%1 Digital Gold per ₹100

Forex markup0%Travel & shop abroad with ZERO additional charges. This is applicable when you travel anywhere in the world.

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Bank of Baroda. Full disclaimer

Rewards

Base earn rate

Earn real 24K digital Gold on your spends. This is applicable on every transaction you make* (Exclusions apply). Earn 1% Gold on all eligible transactions.

GoldX

Category	Rate	Cap
Uni Store Vouchers	—	—

• Your Gold rewards never expire, and they can appreciate in value over time.

Lounge access

Domestic

0visits / year

International

Not included

Fees & charges

Joining fee: ZERO joining fee
Annual / renewal fee: Lifetime free
Add-on card fee: Free
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: Travel & shop abroad with ZERO additional charges. This is applicable when you travel anywhere in the world.
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

Eligibility

Age: 21–60 years

Employment types

SalariedSelf-Employed

Required documents

PAN
Aadhaar

Features

✓ International usage

Additional features

Quick Approval - Minimal waiting period. Get your BOBCARD Uni GoldX Credit Card approved quickly and start enjoying its perks.
Rewards that grow with time - Earn 24K Gold with every eligible online & offline transactions you make. Stack up your Gold with GoldX spends.

Card management via Uni app.

FAQs

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Credit Cards

RewardsMidMastercard✦ Uniorbit Platform Services Private Limited

BOBCARD Uni GoldX

Convert everyday spending into Digital Gold, zero annual fees

Annual feeLifetime Free

Rewards1.00%1 Digital Gold per ₹100

Forex markup0%Travel & shop abroad with ZERO additional charges. This is applicable when you travel anywhere in the world.

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Bank of Baroda. Full disclaimer

Rewards

Base earn rate

Earn real 24K digital Gold on your spends. This is applicable on every transaction you make* (Exclusions apply). Earn 1% Gold on all eligible transactions.

GoldX

Category	Rate	Cap
Uni Store Vouchers	—	—

• Your Gold rewards never expire, and they can appreciate in value over time.

Lounge access

Domestic

0visits / year

International

Not included

Fees & charges

Joining fee: ZERO joining fee
Annual / renewal fee: Lifetime free
Add-on card fee: Free
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: Travel & shop abroad with ZERO additional charges. This is applicable when you travel anywhere in the world.
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

Eligibility

Age: 21–60 years

Employment types

SalariedSelf-Employed

Required documents

PAN
Aadhaar

Features

✓ International usage

Additional features

Quick Approval - Minimal waiting period. Get your BOBCARD Uni GoldX Credit Card approved quickly and start enjoying its perks.
Rewards that grow with time - Earn 24K Gold with every eligible online & offline transactions you make. Stack up your Gold with GoldX spends.

Card management via Uni app.

BOBCARD Uni GoldX

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BOBCARD Uni GoldX

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