All cards / Bank of Baroda
Bank of Baroda
BOBCARD Uni GoldX Credit Card
Visa
BOBCARD Uni GoldX Credit Card
Uni's GoldX card issued by BOBCARD: lifetime free, with a physical Visa card plus a virtual RuPay twin for UPI. Rewards come as 1% (5% in the Uni Store) in Uni Coins that become digital gold. Zero forex markup makes it a cheap card to use abroad.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Reward redemption: Rewards accrue as Uni Coins in the Uni app that convert to 24K digital gold; no expiry
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- 🌍 Forex / international spend
0% forex markup on international spends · 0% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: Zero
- Foreign currency markup: 0%
- Interest rate: 3.99% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver up to ₹500 on transactions up to ₹7,500
- Cash advance charges: 2.5% per transaction, minimum ₹300; interest from the date of withdrawal
Benefits
- 1% value back as Uni Coins (converted to 24K digital gold) on eligible spends of ₹100+
- 5% value back on vouchers bought in the Uni Store
- 0% forex markup on international spends
- Comes with a virtual-only RuPay 'GoldX UPI' twin for UPI and e-commerce, sharing the Visa card's limit
Pros
- + Lifetime free with 0% forex markup
- + Flat 1% back on most spends, credited as digital gold that doesn't expire
- + Virtual RuPay twin lets you pay by UPI on the same limit
Cons
- − High interest of up to 3.99% a month
- − No lounge or travel perks
- − Rewards stay inside the Uni app and gold prices move; issuer has been trimming earning on tolls and capping some categories (Sept 2026)