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Credit Cards · India

BOBCARD Uni GoldX Credit Card

Updated 5 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 (≈0.1% value) on Uni spends in the form of uni coins (points).

Bank of Baroda logo
BOBCARD Uni GoldX Credit Card
Visa logo
  • 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
Data verified 5 Jul 2026 — see our methodology
Bank of Baroda logoBoBVisa logoplatinummidLifetime freeCo-brand · Uni ↗
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Rewards and Benefits

Rewards Rate
5 pts per ₹100 on uni store vouchers
Base 1.00% on other spends.
Reward Redemption
Uni Coins: 100 Uni Coins = Rs 1 (Rs 0.01/coin); auto-convert to 24K digital gold in the Uni app.
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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo

    Online shopping — earns base; accelerated rate needs booking via uni-store

  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo
  • Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹5,520/yr

₹5,520 rewards − ₹0 annual fee. Estimate for the spend you entered.

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.
Cons
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 5 pts per ₹100 on uni store vouchers
    5% 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

Last verified 5 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.
Tagsmidpointslifetime freeonlineco brand