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| Feature | BOBCARD BOBCARD Uni GoldX Credit Card | Indian Overseas Bank IOB ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | BOBCARD | Indian Overseas Bank |
| Network | Visa + RuPay | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 1% | 0% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 0% | 2.5% |
| Monthly income requirement | Not listed | Fixed-deposit backed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Fee-averse users who value simple domestic Uni Coin rewards, RuPay UPI and zero issuer forex markup. | Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card. |
| Main trade-off | Zero forex does not also earn rewards: the current Uni terms exclude international transactions from Uni Coins. Rent, fuel, wallets, cash and money transfers are also excluded. | The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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