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BOBCARD Uni GoldX Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Bank of Baroda Visa Entry

Annual Fee

₹0

Base Rate

1.0%

Reward Type

Cashback

Overview

The BOBCARD Uni GoldX Credit Card is a Entry credit card issued by Bank of Baroda on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Cashback.

Annual Fee: Lifetime Free
Eligibility: Minimum monthly salary of ₹25,000 or ITR of ₹7.5 Lakhs. Age: 21-60 years.

Reward Rates & Cashback Rules

  • CATEGORY – Hotels: 10.0% cashback | via Uni Store ⚠️ Reward credited post check-in.
  • CATEGORY – Flights: 7.0% cashback | via Uni Store
  • MERCHANT – Amazon: 5.0% cashback | via Uni Store ⚠️ On voucher purchases via Uni Store. Rate varies by brand (5-8%).
  • MERCHANT – PVR: 50.0% cashback ⚠️ Applicable only if total monthly card spends are ₹10,000 or more.
  • MERCHANT – INOX: 50.0% cashback ⚠️ Applicable only if total monthly card spends are ₹10,000 or more.
  • CATEGORY – UPI: 1.0% cashback ⚠️ Applicable on Scan & Pay transactions via the linked virtual RuPay card.
  • CATEGORY – International: 0.0% cashback ⚠️ No rewards on international transactions, though forex markup is 0%.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback ⚠️ A fee of 1% to 1.25% is levied on rent payments.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ A fee of 1% is charged on wallet load transactions.
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Government: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Digital Gold Rewards 🪙: Earn rewards as Uni Coins, which can be converted to 24K digital gold via the Uni app at a rate of 100 Uni Coins = ₹1.
  • Zero Forex Markup 🌍: Pay 0% foreign currency markup fee on all international transactions.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹500 per statement cycle.
  • Add-on Cards 👨‍👩‍👧‍👦: Get up to three lifetime-free add-on cards for family members.

Eligibility Criteria

Minimum monthly salary of ₹25,000 or ITR of ₹7.5 Lakhs. Age: 21-60 years.

Features & Benefits

🪙

Digital Gold Rewards

Earn rewards as Uni Coins, which can be converted to 24K digital gold via the Uni app at a rate of 100 Uni Coins = ₹1.

🌍

Zero Forex Markup

Pay 0% foreign currency markup fee on all international transactions.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹500 per statement cycle.

👨‍👩‍👧‍👦

Add-on Cards

Get up to three lifetime-free add-on cards for family members.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Hotels Via Uni Store
Reward: 10.0%
⚠️ Exceptions: Reward credited post check-in.
10%
Flights Via Uni Store
Reward: 7.0%
7%
Amazon Via Uni Store
Reward: 5.0%
⚠️ Exceptions: On voucher purchases via Uni Store. Rate varies by brand (5-8%).
5%
PVR
Reward: 50.0%
⚠️ Exceptions: Applicable only if total monthly card spends are ₹10,000 or more.
50%
INOX
Reward: 50.0%
⚠️ Exceptions: Applicable only if total monthly card spends are ₹10,000 or more.
50%
UPI
Reward: 1.0% Min Spend: ₹100.0
⚠️ Exceptions: Applicable on Scan & Pay transactions via the linked virtual RuPay card.
1%
International Exclusion
⚠️ Exceptions: No rewards on international transactions, though forex markup is 0%.
Fuel Exclusion
Rent Exclusion
⚠️ Exceptions: A fee of 1% to 1.25% is levied on rent payments.
Wallet Load Exclusion
⚠️ Exceptions: A fee of 1% is charged on wallet load transactions.
Insurance Exclusion
Utilities Exclusion
Government Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for BOBCARD Uni GoldX Credit Card

Category BOBCARD Uni GoldX Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 1.0% 1.0% 1.5%
★
Known Rules 		14 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + Hotels — 10.0% Cashback
  • + Flights — 7.0% Cashback
  • + Amazon — 5.0% Cashback
  • + PVR — 50.0% Cashback
  • + INOX — 50.0% Cashback
  • + Digital Gold Rewards
  • + Zero Forex Markup
  • + Fuel Surcharge Waiver
  • + Add-on Cards
✗

Cons

  • − No reward on International — No rewards on international transactions, though forex marku
  • − No reward on Fuel
  • − No reward on Rent — A fee of 1% to 1.25% is levied on rent payments.
  • − No reward on Wallet Load — A fee of 1% is charged on wallet load transactions.
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹0

Net Value

+₹3000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

Yes, the card has no joining fee and no annual fee, making it lifetime free without any minimum spend conditions.

You earn 1% back as Uni Coins on most spends, which can be converted to 24K digital gold through the Uni app. 100 Uni Coins are equal to ₹1.

No, the card features a 0% foreign currency markup fee. However, please note that international transactions do not earn any rewards.

No, the BOBCARD Uni GoldX card does not come with complimentary airport lounge access.

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