BOBCARD Uni GoldX
A lifetime-free co-branded card with Uni: 1% back as Uni coins on eligible spends (1 coin per ₹1, each valued at one paisa, redeemable as cashback), 5% on vouchers bought in the Uni store, a RuPay virtual card for UPI, and no forex markup, though international spends earn no coins. Every figure below is copied from BOBCARD’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil MITC |
|---|---|
| Annual fee | Nil MITC |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) MITC |
| Lifetime free. Interest on this card is 3.99% a month (47.88% a year), higher than the 3.75% on most BOBCARD cards. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| UPI payments on the GoldX RuPay card (1%, transactions of ₹100 or more) | 1% cashback Product page | no cap on record |
| Eligible spends (1% as Uni coins) | 1% cashback Product page | no cap on record |
Paid as Uni coins: 1 coin for every ₹1 of eligible spend, each coin valued at one paisa; coins can be redeemed as cashback into the card account or spent in the Uni store, and do not expire while the card is used.
Coins on railway and bus tickets (MCC 4111, 4112, 4131) count only up to ₹20,000 of spend a month, and on insurance (MCC 6300, 5960) up to ₹50,000 a month; the calculator assumes spends within those limits. BOBCARD may change the coin conversion rate.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills up to ₹7,500, up to ₹500 a statement MITC
Also on this card
Quoted from BOBCARD; not counted in the net value.
- 5% back as Uni coins on vouchers bought in the Uni store Product page
- No forex markup abroad (but international spends earn no coins) Product page
- Uni coins do not expire (unless the card is unused for a year) MITC
- A virtual GoldX RuPay card for UPI payments, sharing the main card limit MITC
Eligibility
- Indian resident Product page
- Age 21 or above Product page
- Age 60 or below Product page
- Salaried or self-employed Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
The quotes behind the figures
23 figures, each copied from an official BOBCARD document.
Show every quote and source
“Joining Fee GoldX & GoldX UPI Zero”
“Annual Membership Fee GoldX & GoldX UPI Zero”
“Uni GoldX, Scapia, Etihad Guest Premium: 0% of transaction amount”
“Assured 1% Value Back In the form of Uni coins. This is applicable on every transaction you make* (Exclusions apply)”
“Uni Coins will not accrue for transactions of less than ₹100 done via GoldX UPI card.”
“Further, the GoldX Rupay card can be used for UPI and e-com transactions only”
“It's a lifetime-free co-branded credit card that rewards you with 1% value back in the form of Uni coins on every eligible transaction.”
“Currently, you will get 1 Uni Coin on every purchase of ₹1. Each Uni Coin is valued at one paisa.”
“Cashback: The Uni Coins can be redeemed for cash back into the Card Account”
“Uni Coins will not accrue for money transfers (MCC: 4829), rent payments (MCC: 6513), fuel transactions (MCC: 5541, 5542, 5983), cash withdrawals, digital wallet loading or top-up transactions (MCC: 6540), international transactions, EMI transactions,”
“Utility services (MCC: 4812, 4814, 4815, 4816, 4821, 4829, 4899, 4900), Government services (MCC: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950), Education category (MCC: 8299, 8211, 8241, 8244, 8249, 8220) & MCC 4784 (Bridge & Road Fees, Tolls).”
“Lifetime Free This card comes with ZERO joining fee and ZERO annual charges.”
“Uni GoldX: 3.99% per month i.e. 47.88% per annum”
“Uni coins on MCC 4111, 4112 & 4131 (Transportation, Passenger Railways & Bus lines) will be applicable upto Rs. 20,000 monthly spends.”
“Uni coins on MCC 6300 & 5960 (Insurance) will be applicable upto Rs. 50,000 monthly spends.”
“Enjoy a 1% fuel surcharge waiver upto ₹500 for transactions upto ₹7,500 at petrol pumps across India”
“Uni GoldX: 1% surcharge waiver, valid for transactions upto Rs. 7,500 only (subject to maximum of Rs. 500 per statement)”
“5% Value Back In the form of Uni coins. This is applicable when you shop for vouchers as per the options at the Uni Store.”
“0 Forex Markup Travel & shop abroad with ZERO additional charges.”
“Uni Coins do not expire and have lifetime validity, except in circumstances detailed below:”
“The GoldX Rupay Variant of BOBCARD Uni Credit Card is a virtual credit card which will be issued as an additional card where the credit limit of the card will be shared with Primary VISA Affiliated credit card.”
“Indian resident Age between 21-60 years Salaried or Self-Employed”
“Designed for frequent shoppers and travelers. Start earning rewards that grow with time & do not expire. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with BOBCARD or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is BOBCARD’s own file from its website, unaltered, fetched 2026-10-16. Methodology