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BOBCARD Uni GoldX Card
BOBCARD

BOBCARD Uni GoldX Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns cashback

First-year fee

₹0

No fee

Annual fee

₹0

No fee

What it gives back

1% cashback · everyday spends

Read from 8 BOBCARD documents, last checked 18 Oct 2026.

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How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

  • Joining feeRenewal fee

    ₹0No fee

Rewards

  • Reward rate

    1% cashback · everyday spendsAssured 1% Value Back in the form of Uni coins on every transaction you make (Exclusions apply)

  • Fuel earning

    Uni Coins will not accrue for fuel transactions.

  • Online earning

    5% Value Back in the form of Uni coins when you shop for vouchers at the Uni Store.

  • Reward earning on international spends

    Uni Coins will not accrue for international transactions.

  • Utilities earning

    Uni Coins will not accrue for Utility services.

  • Reward exclusions

    Uni Coins will not accrue for Money transfers, rent payments, fuel transactions, digital wallet loading or top-up transactions, Utility services, cash withdrawals, international transactions & EMI transactions.

  • Reward caps

    Effective 19th September 2026: Transportation, Passenger Railways & Bus lines: Rewards in the form of Uni coins will be applicable upto ₹20,000 monthly spends · Insurance: upto ₹50,000 monthly spends

  • What one reward unit is worthCatalogue redemption

    Each Uni Coin is valued at one paisa.

  • Cashback redemption

    The Uni Coins can be redeemed for cashback into the Card account.

  • Statement-credit redemption

    Uni Coins can be redeemed for cashback into the Card account.

  • Voucher and product redemption

    Uni Coins can be used on the reward store in the Uni App to pay for other purchases or for exciting offers shown in the Uni App from time to time.

  • Point expiry

    Uni Coins do not expire and have lifetime validity; if the Card is not used for more than 365 days, the accrued Uni Coins will be nullified.

Card benefits

  • Minimum spend rules

    Rewards are applicable only on transactions of ₹100 or above made via GoldX UPI

Also included

  • Fuel surcharge waiver

    Enjoy a 1% fuel surcharge waiver upto ₹500 for transactions upto ₹7,500 at petrol pumps across India, making your journeys smoother and more rewarding.

  • Air accident cover

    Insurance facility is not available.

Charges

  • Forex markup

    0%

  • Cash advance fee

    2.5% on each transaction Min Fee of ₹300.

  • Cash advance interest

    3.99% per month, 47.88% per annum, from the date of transaction.

  • Cash withdrawal limit

    ATM withdrawal limit shown on offer screen at time of onboarding and on the app post onboarding.

  • Interest on unpaid balance

    3.99% per month (or 47.88% annually)

  • Interest-free period

    Upto 50 days (Inclusive of 3 days grace period)

  • Late payment fee

    Less than ₹100: NIL · ₹100-₹500: ₹100 · ₹501-₹1000: ₹400 · ₹1001-₹10000: ₹750 · ₹10001-₹25000: ₹950 · ₹25001-₹50000: ₹1,100 · More than ₹50000: ₹1,300.

  • Over-limit fee

    2.5% of the amount over & above the sanctioned credit limit or ₹300, whichever is higher; overlimit upto 10% of credit limit

  • Payment return or dishonour fee

    Cheque return charges 2% of the payment amount subject to min of ₹350 per instance

  • Statement or duplicate statement fee

    ₹25 per Bill

  • Card replacement fee

    ₹100

  • Cash payment / cash deposit fee

    ₹250 for every Cash payment.

  • Cheque payment / dishonour fee

    ₹100 for every Cheque payment.

  • Education / school fee charge

    1% surcharge on education payments via 3rd party websites such as CRED, Phonepe, Amazon pay etc.

  • Reward redemption fee

    Nil

  • Wallet load charge

    1% processing fees will be levied on Wallet loading Transactions.

  • What the card's fee or benefit year means

    Card Anniversary year is considered from the Card issuance date

  • Fuel transaction fee

    1% of the fuel transaction amount on transactions of ₹10,000 or above.

  • Rent transaction fee

    1.25% of the rental transaction amount or Min Fee to ₹100 whichever is higher (MCC 6513)

  • Utility transaction fee

    1% surcharge on utility transactions of ₹50,000 or above; Maximum surcharge: ₹3,000 per transaction

  • GST note

    Goods and Service Tax is applicable on all fees, interest and other charges

  • Grace days after the due date

    Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

  • Minimum amount due

    100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of all Spends or ₹200 whichever is higher

Eligibility

  • Minimum age

    Age between 21–60 years

  • Documents required

    You may not need to upload any documents; address is verified digitally via Aadhaar.

In the terms, not the brochure (2)

  • What happens to unredeemed points if the card is closed

    Once your Card account is closed, the privileges of the Card, including benefits and services accrued and Uni Coins not redeemed, stand nullified

  • Whether carrying a balance ends the interest-free period

    Interest free period will not be available if you have not paid the previous months outstanding amount in entirety.

How we know - 8 documents from BOBCARD, checked 18 Oct 2026

8 documents from BOBCARD, checked 18 Oct 2026.

  • Bobcard Uni Goldx Key Fact Statement5 Oct 2026Proof
  • Bobcard Uni Goldx MITC5 Oct 2026Proof
  • Bobcard Generic MITC 23 July Orginal5 Oct 2026Proof
  • MITC and Key Fact StatementProof
  • Card pageProof
  • Lounge access termsProof
  • Card terms and conditionsProof
  • Reward points termsProof

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