Is the BOBCARD Uni GoldX Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Rewards card
- No annual fee
- 1% on most spends
- Pays in reward points
- anyone who wants no annual fee, ever
- spending abroad: 0% markup, most cards add 3.5%
- most of your spending is fuel, utility bills, rent or education: those earn nothing on this card
- you sometimes pay only the minimum due: interest of 3.99% a month (47.88% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 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
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate | - |
| Online shopping | 1% | No cap | The card's normal rate | - |
| Dining and food delivery | 1% | No cap | The card's normal rate | - |
| Groceries | 1% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | Earns nothing | - | earns nothing on this card | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 1% | No cap | The card's normal rateTerms: the base rate's terms cap this category separately; the cap is not counted | - |
| School and college fees | Earns nothing | - | earns nothing on this card | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | Earns nothing | - | earns nothing on this card | - |
| Everything else | 1% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
