BOBCARD Uni GoldX Credit Card

Rewards are credited in the form of 24K digital gold. Eligible transactions on Amazon, Swiggy, Flipkart, and more than 200 voucher brands available through the Uni App earn 5% back as digital gold. Flight and hotel bookings made via the Uni App earn 7% back, while all UPI and offline merchant payments earn 1% back.

Yes. The accumulated digital gold can be redeemed as cash or converted into a physical gold coin, subject to the redemption terms and conditions applicable at the time of redemption.

No. The BOBCARD Uni GoldX Credit Card is a lifetime-free credit card and does not have any joining fee or annual fee.

The RuPay variant allows cardholders to link the credit card to supported UPI apps and make UPI payments directly using their credit card. Eligible UPI transactions also earn 1% back as 24K digital gold.

The card comes with a zero foreign exchange markup fee, which means no additional foreign currency markup is charged on international transactions.

If the outstanding balance is not paid by the due date, finance charges of 3.99% per month (47.88% per annum) may apply on the unpaid amount. In addition, late payment fees range from RS. 100 to Rs. 1,300 are charged based on the total outstanding balance.