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BOBCARD
BOBCARD Uni GoldX Credit Card
Travel
Rewards
1st Year Fee: ₹ 0
Shopping
5% back on shopping & grocery via Uni Store
Movie
50% back on PVR and INOX via Uni Store
Travel
Zero forex markup fee on overseas spends
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About BOBCARD Uni GoldX Credit Card
BOBCARD Uni GoldX Credit Card is a co-branded credit card offered by BOBCARD in partnership with Uni. It is available on Mastercard, Visa & RuPay networks and comes with zero joining and zero annual fee. Cardholders can earn 5% back on brands like Amazon, Swiggy, Flipkart, and on 200+ vouchers via vouchers on Uni Store. Flight and hotel bookings made via Uni Store earn unlimited 7% back. The travel benefit also includes zero forex markup fee in 180+ countries. The card is ideal for entertainment spends as it offers 50% back on PVR and INOX vouchers, up to Rs. 250 once every month. Besides this all UPI and online/offline transactions earn 1% back.
The card offers rewards as 24K Gold. The rewards earned can be redeemed as cash or converted into a physical gold coin, with zero making charges. It also offers fuel surcharge waiver of up to Rs. 500 every month. Overall, BOBCARD Uni GoldX Credit Card is a lifetime-free card that offers good value-back on everyday spends, UPI payments, travel bookings, and select entertainment purchases.
Rewards Program
Given below are the details regarding the value-back offered by this card along with the redemption of accumulated reward points:
Rewards Benefits
- 5% back on Amazon, Swiggy, Flipkart, and 200+ vouchers via Uni Store
- Unlimited 7% back on flights and hotel bookings via Uni Store
- Unlimited 1% back on all UPI spends and offline payments
Reward Redemption
- Earn Uni Coins and redeem as 24K Gold. Cash it or mint into a physical gold coin with zero making charges
Other Features and Benefits
Here are some of the other key benefits of the BOBCARD Uni GoldX:
Movie Benefit
- 50% back on PVR and INOX via Uni store, capped at Rs. 250 every month
Travel Benefit
- Zero forex makeup fee in 180+ countries
Other benefit
- Fuel surcharge waiver of up to Rs. 500 every month
- Lifetime free credit card
- Dual network card – benefits of Visa as physical card and RuPay as virtual card
BOBCARD Uni GoldX Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Nil | ||||||||||||||||
| Forex Mark-up Fee | Nil | ||||||||||||||||
| Finance Charges | 3.99% per month (or 47.88% annually) | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You frequently shop with online merchants such as Amazon, Flipkart, Swiggy, etc., and want to save money on your purchases
You want a lifetime free card with zero forex fee and savings on flight & hotel bookings
You want to save 50% on movie tickets and earn 1% on UPI spends every month
You want a lifetime free card that rewards you with 24k real gold instead of reward points
Paisabazaar Review
What do we like about this card?
The BOBCARD Uni GoldX Credit Card is a decent card for consumerfs who wants more value from their shopping & travel spends. Instead of reward points, this card offers 24k Gold, which you can easily convert to cash or mint into a coin. It also offers decent reward rates with 5% back on Amazon, Flipkart, and Swiggy, and an even better unlimited 7% back on travel bookings via Uni Store. The best part for travellers is the zero forex markup, meaning no extra fees when spending abroad. With unlimited 1% back on UPI payments and a lifetime free fee structure, it is a smart, zero-fee card that rewards you for almost everything you buy.
Pros
- 5% back on all major shopping & grocery apps via vouchers
- Travel benefits like 7% back on flights & hotels bookings and zero forex markup fee
- 50% back on PVR/INOX every month
- Complimentary RuPay card with unlimited 1% value-back
- Lifetime free credit card
Cons
- Direct cashback is not available and cardholders have to sell the gold for it
- To maximise rewards, vouchers/bookings have to be made via Uni Store
Frequently Asked Questions
Everything you need to know about this 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.
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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