BOBCARD Uni GoldX Credit Card
Updated 3 Jul 2026Source-linked
The BOBCARD Uni GoldX Credit Card is a mid co-branded credit card from Bank of Baroda and Uni, with a joining fee of ₹0 + GST.
It earns up to 5 pts per ₹100 (≈5.0% value) on Uni spends in the form of uni coins (points).
BOBCARD Uni GoldX Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCo-brand rewards
- Reward TypeUni Coins (points)
Rewards Rate
- 5 pts per ₹100 on uni store vouchers
- Base 1.00% on other spends
Welcome Benefits
- Not applicable
Rewards and Benefits
Rewards Rate
5 pts per ₹100 on uni store vouchers
Base 1.00% on other spends.
Reward Redemption
Uni Coins: 1 Uni Coin = ₹1; coins do not expire.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹7,500, capped at ₹500 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded mid card by Bank of Baroda and Uni.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Low forex markup of 0.00% — suited to international spends.
- Accelerated earn worth ≈5.0% on uni store vouchers.
Cons
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 5 pts per ₹100 on uni store vouchers5% value back (Uni Coins) on voucher purchases at the Uni Store.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹7,500, capped at ₹500 per monthly.
Sources
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 720+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.