BOBCARD Uni GoldX Card
BOBCARD
Annual / renewal fee
₹0 (zero annual charges - lifetime free).
VerifiedUni GoldX Card product page29 Jul 2026, 12:50 PM ISTBOBCARD
Earn rate
- 1 Uni Coin on every purchase of ₹1.
- Up to 5% value back at Uni Store (in Uni Coins) when shopping for vouchers.
- Up to 5% value back with every eligible online and offline transaction.
VerifiedBOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C)29 Jul 2026, 12:50 PM ISTBOBCARD
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at tjzuh.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at tjzuh.com — if a different card is shown first, use its card selector to pick this one.
Overview
Uni GoldX Card by BOBCARD. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹0 (zero joining fee - lifetime free).
VerifiedUni GoldX Card product page29 Jul 2026, 12:50 PM ISTBOBCARD
Annual / renewal fee
₹0 (zero annual charges - lifetime free).
VerifiedUni GoldX Card product page29 Jul 2026, 12:50 PM ISTBOBCARD
Fee waiver
Lifetime Free - no joining fees and no annual charges.
VerifiedUni GoldX Card product page29 Jul 2026, 12:50 PM ISTBOBCARD
Rewards
- 1 Uni Coin on every purchase of ₹1.
- Up to 5% value back at Uni Store (in Uni Coins) when shopping for vouchers.
- Up to 5% value back with every eligible online and offline transaction.
VerifiedBOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C)29 Jul 2026, 12:50 PM IST
Redemption value
- No fee is levied to redeem Uni Coins.
- Uni Coins can be redeemed as cashback into Card Account, for Reward Store purchases, or other offers.
- Uni Coins do not expire (lifetime validity), except if the Card is not used for more than 365 days the accrued Uni Coins will be nullified.
VerifiedBOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C)29 Jul 2026, 12:50 PM ISTBOBCARD
Reward cap
- Redemption of Uni Coins is subject to regular payment behaviour.
- BOBCARD/Uni may block or adjust Uni Coins if repayment bounces and remains uncleared for more than 3 days.
- If the Card is not used for more than 365 days, accrued Uni Coins will be nullified.
VerifiedBOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C)29 Jul 2026, 12:50 PM ISTBOBCARD
Reward exclusion
VerifiedBOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C)29 Jul 2026, 12:50 PM ISTBOBCARD
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Zero Forex Fees - no additional charges when you use your card internationally.
VerifiedUni GoldX Card product page29 Jul 2026, 12:50 PM ISTBOBCARD
Charge
- Foreign currency transactions are converted to INR at rates designated by BOBCARD.
- For non-USD foreign currency, conversion is first to USD then to INR at card network forex rates, and a forex markup fee may be levied (also on INR transactions at merchants/payment gateways based outside India).
- Late payment charge is levied per the schedule of charges if Minimum Amount Due is not paid by the Payment Due Date.
- Dishonoured payment instrument fee is levied per the schedule of charges.
- Cash withdrawal charges are levied from the date of withdrawal until the date of settlement.
- GST is levied at Government of India rates on charges, finance charges, late payment charges and other fees.
- Other charges include renewal, replacement, duplicate statement and ATM withdrawal fees.
- (Specific amounts are stated in the MITC.).
VerifiedBOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C)29 Jul 2026, 12:50 PM ISTBOBCARD
Fuel surcharge waiver
1% fuel surcharge waiver up to ₹500 for transactions up to ₹7,500 at petrol pumps across India.
VerifiedUni GoldX Card product page29 Jul 2026, 12:50 PM ISTBOBCARD
Interest-free period
Payment Due Date of each bill will be up to a maximum period as prescribed in MITC (not numerically stated on the official source reviewed).
VerifiedBOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C)29 Jul 2026, 12:50 PM ISTBOBCARD
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Uni GoldX Card?
Officially traced: Rs. 0 (zero annual charges - lifetime free).
Uni GoldX Card product pageWhat is the joining fee on the Uni GoldX Card?
Officially traced: Rs. 0 (zero joining fee - lifetime free).
Uni GoldX Card product pageIs the Uni GoldX Card annual fee ever waived?
Lifetime Free - no joining fees and no annual charges.
Uni GoldX Card product pageHow does the Uni GoldX Card earn rewards?
1 Uni Coin on every purchase of Rs. 1.
BOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C)What are the transfer ratios for Uni GoldX Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.bobcard.co.in/credit-card-types/bobcard-uni-goldx.
VerifiedUni GoldX Card product page29 Jul 2026, 12:50 PM ISTBOBCARD
Verified 2026-07-29 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
( Continue exploring )