Key features
What this card is built to do — the highlights that actually matter.
1% on Other
1% back as Uni Coins at 1 paisa each, kept as 24K digital gold or taken as cashback. UPI spends under ₹100 may earn nothing. Since 19 Sep 2026 tolls earn nothing, and transport and insurance stop earning past ₹20,000 and ₹50,000 of spend a month. Coins lapse after a year unused
Zero Forex Markup — but no rewards abroad
No markup on international spends, but they earn nothing on this card, so a purchase abroad costs no extra and returns nothing.
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹500/month
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
UPI-first users who like the idea of small, automatic gold savings on everyday spends and want a free card with zero forex — not a high-rate cashback or premium-rewards card.
Full reward structure
What you earn on every rupee, per spend category — as of 28 Sept 2026. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 1%1 pts/₹100 × ₹1.00 | — |
Other: 1% back as Uni Coins at 1 paisa each, kept as 24K digital gold or taken as cashback. UPI spends under ₹100 may earn nothing. Since 19 Sep 2026 tolls earn nothing, and transport and insurance stop earning past ₹20,000 and ₹50,000 of spend a month. Coins lapse after a year unused
Earns nothing on: Rent · Fuel · Cash Advances · Wallet Loads · International · EMI Conversions · Utility Bills · Government & Tax · Education · Tolls & Road Fees
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 28 Sept 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.99% p.m. |
| Forex markupInternational spends are excluded from rewards on this card, so a purchase abroad costs no extra but earns nothing. A card with a small markup that still earns can work out better overseas. | 0% |
| Fuel surcharge waiver | 1%, cap ₹500 |
Perks & benefits
Estimated annual value beyond rewards — ~₹500/yr in total.
1% fuel-surcharge waiver, up to ₹500 per statement, on fuel transactions up to ₹7,500
Should you get it?
- Best for: UPI-first spender who wants automatic small gold savings, Someone wanting a free card with zero forex markup
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on everyday spends (1% back).
Pros & cons
✓ Pros
- Lifetime free, with a free virtual RuPay card for UPI on the same limit
- 1% back as Uni Coins on eligible spends, kept as 24K digital gold or taken as cashback (5% on Uni Store vouchers)
- No fixed expiry on coins while the card stays in use
- Zero forex markup on international spends (which earn no coins)
✕ Cons
- Headline earn is 1%; the 5% rate applies only to vouchers bought in the Uni Store
- Held as gold, the rewards move with the gold price
- No lounge programme on the card itself; Uni says a Uni Store flight booking can come with lounge access in place of its 7% back
- UPI payments under ₹100 may earn no Uni Coins, which rules out many small scan-and-pay spends
- Coins are forfeited if the card goes unused for 365 days, and on closure or once 90 days overdue
- Since 19 September 2026 tolls earn nothing, and public transport and insurance earn only on the first ₹20,000 and ₹50,000 of spend a month
Eligibility & documents
Documents required
- 📄PAN card (mandatory)
- 📄Aadhaar, used for digital KYC
- 📄Usually nothing to upload, as BOBCARD's application is fully digital
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Keep Uni Coins as 24K digital gold in the Uni app, and sell the gold through the app
- 🎁Redeem coins as cashback to the card account, at 1 coin = 1 paisa
- 🎁Spend coins on purchases in the Uni Store
What your BOB Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The headline is 1%, and the 5% applies only to vouchers bought in the Uni Store, so as an everyday earner it is a modest ~1% card. Gold value moves with the market, and coins are forfeited after a year with no card use.
Frequently asked questions
Can I use the Uni GoldX on UPI?
Is the Uni GoldX lifetime free?
Does a lifetime-free card still charge anything?
How do the gold rewards work?
Which bank issues the Uni GoldX?
How has the BOBCARD Uni GoldX Credit Card changed over time?
Has the BOBCARD Uni GoldX Credit Card been devalued recently?
The bottom line
A tidy free card with a genuinely different reward: 1% back as Uni Coins you can keep as 24K digital gold, 5% on Uni Store vouchers, zero forex markup, and a free virtual RuPay card that puts it on UPI. The gold framing is the appeal. On pure rate it is a ~1% everyday card, and UPI payments under ₹100 may earn nothing, so judge it as a free gold-savings card rather than a rewards engine, and use it at least once a year so the coins are not forfeited.
How this page was built
Counted from this card’s own record: 1 earn rule, the spends listed as earning nothing and 1 recorded perk.
Last updated 28 Sept 2026.
Sources & verification
Fees, reward rates, and benefits for the BOBCARD Uni GoldX Credit Card are taken from BOBCARD's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 28 Sept 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for BOBCARD. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · last change Sept 2026
2026
- ▼ RewardEffective 19 Sept 2026
Tolls stop earning Uni Coins; public transport and insurance earn only up to a monthly limit
Tolls, public transport and insurance earned Uni Coins like other eligible spends→Tolls earn nothing; public transport earns on up to ₹20,000 and insurance on up to ₹50,000 of spend a month
From 19 September 2026, BOBCARD's MITC stops Uni Coins on tolls and bridge and road fees (MCC 4784), and pays them on public transport (MCC 4111, 4112 and 4131) only for the first ₹20,000 of spend a month and on insurance premiums (MCC 6300 and 5960) only for the first ₹50,000. Everyday spends still earn 1%.
Verification: BOBCARD ↗ · Confidence: High
2025
- ◆ LaunchEffective 2025
Uni GoldX launched
Uni (the fintech whose earlier PPI-based 'Pay 1/3rd' card was halted after the RBI's June 2022 PPI-credit action) launched the co-branded, lifetime-free Uni GoldX in 2025, soft-launched around February 2025 and rolled out more widely through mid-2025. BOBCARD Ltd, Bank of Baroda's credit-card subsidiary, issues it as a Visa card with a free virtual RuPay card on the same credit limit for UPI payments, and YES Bank issues a Uni card of its own. Its hook is gold: every eligible spend earns 1% back as Uni Coins that can be held as 24K digital gold (secured by Augmont), rising to 5% on in-app Uni Store vouchers, plus zero forex markup and a 1% fuel-surcharge waiver (up to ₹500 on transactions up to ₹7,500). It carries no lounge or golf perks, and the coins have no fixed expiry while the card is in use.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/uni-goldx#value-timeline">BOBCARD Uni GoldX Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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