GainFairGainFairFor Every Fair Choice.
Independent card analysis

BOBCARD Uni GoldX Credit Card

BOBCARD · Visa + RuPay · Mid card

A lifetime-free combination of 1% Uni Coin value back, optional RuPay UPI capability and zero forex markup.

Best suited to

Fee-averse users who value simple domestic Uni Coin rewards, RuPay UPI and zero issuer forex markup.

Authored and reviewed by GainFair
Terms checked 23 Sept 2026
Annual fee
Lifetime free
Joining fee
₹0
Base reward rate
1%
Forex markup
0%

Reward rates by spending category

Published catalogue rates before caps and merchant-category exclusions.

CategoryRecorded rate
Online shopping
1%
Groceries & essentials
1%
Dining & delivery
1%
Travel & hotels
1%
Bills & utilities
1%
Beauty & wellness
1%
Entertainment & movies
1%
Education & family
1%
Healthcare & pharmacy
1%
Subscriptions & streaming
1%
Offline store shopping
1%
Gold & jewellery
1%
Insurance premiums
1%
Other miscellaneous
1%
Fuel & commute
0%
International spending
0%
House rent
0%

Caps and fee waiver

Reward caps
No general cap recorded
Annual fee waiver
Not needed
Monthly income requirement
Not listed

Airport lounge access

No complimentary airport lounge access recorded

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 2 items

  • Uni Store voucher bonus

    Usage-based value

    Four incremental Uni Coins per ₹1 plus the one-coin base produce up to 5% value back on eligible Uni Store vouchers.

    Conditions: Four incremental Uni Coins per ₹1 plus the one-coin base produce up to 5% value back on eligible Uni Store vouchers.

    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Uni Coin base earn

    Usage-based value

    One Uni Coin per ₹1 of eligible domestic purchase, with each coin worth ₹0.01 for the published 1% value back.

    Status: verifiedReviewed: 2026-09-23Official source ↗
Fees · 1 item

  • Lifetime-free annual fee

    Recorded value ₹-0

    No annual card fee is recorded under the currently reviewed terms.

    Status: verifiedReviewed: 2026-09-23Official source ↗
Spend milestones · 1 item

  • Up to 5% value back on eligible Uni Store vouchers

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗
Foreign-currency charges · 2 items

  • Zero forex markup

    Usage-based value

    0% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Zero forex markup, with international purchases excluded from Uni Coin earning

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗
Eligibility and availability · 1 item

  • Application eligibility

    Shown without a cash value

    Application availability: open. No universal verified numeric income threshold is used as a hard filter. The current product page publishes Indian residency and age 21-60 but no universal numeric income threshold.

    Status: verifiedReviewed: 2026-09-23Official source ↗
Other benefits · 4 items

  • 1% fuel-surcharge waiver up to ₹500 per statement cycle on eligible transactions up to ₹7,500

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Optional virtual RuPay companion for merchant UPI payments

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Lifetime free Visa card with an optional RuPay companion for UPI

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗

  • 1% value back as Uni Coins on eligible domestic purchases

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗
Other categories (12)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ Lifetime free Visa card with an optional RuPay companion for UPI
  • ✓ 1% value back as Uni Coins on eligible domestic purchases
  • ✓ Up to 5% value back on eligible Uni Store vouchers
  • ✓ Zero forex markup, with international purchases excluded from Uni Coin earning

What to watch

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.

Recorded exclusions

Fuel Commute · International Spend · Rent · Wallet load · Money transfer · Cash withdrawal · Mitc excluded transactions

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology

Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.

Similar alternatives

Compare against

These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.

AU Bank Zaggle Credit Card
AU Small Finance Bank · Mid
Compare side by side →
Axis Bank super.money RuPay Credit Card
Axis Bank · Entry
Compare side by side →
IOB ZET Credit Card
Indian Overseas Bank · Entry
Compare side by side →

Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product, Fees, Eligibility ↗Rewards ↗

Sources checked 23 Sept 2026