Bank of Baroda
BOBCARD Uni GoldX Credit Card
Data last verified: 28 September 2026
- Joining feeFree
- Annual feeFree
- Reward rate1% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup0%
- Interest (APR)3.99% a month, 47.88% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹500 a month
The Uni GoldX card pays its rewards as digital gold instead of points. You earn 1% on eligible spends, including UPI payments, up to 5% on brand vouchers bought through Uni, and up to 7% on flight tickets booked on the Uni app or website.
There is no joining or annual fee, so every rupee of gold you earn is pure gain. It also charges 0% forex markup, which is rare for a free card and makes it useful for foreign websites and trips abroad.
It suits beginners, UPI users and anyone who likes the idea of slowly saving in gold. The honest catch is that it has no lounge access or other travel perks, and the higher rates only apply inside the Uni app.
Best for: First-time card users, UPI-heavy spenders, People who shop on foreign websites, Anyone who wants rewards as gold.
01BOBCARD Uni GoldX Credit Card Rewards and Benefits
02BOBCARD Uni GoldX Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 0%
- Interest rate
- 3.99% a month (47.88% a year)
- Fuel surcharge waiver
- Yes, up to ₹500 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Anyone who wants no annual fee, ever
- Spending abroad: 0% markup, most cards add 3.5%
Skip it if…
- 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
04Product Details
- Lifetime free, no joining or annual fee
- 1% back as digital gold on eligible spends, including UPI
- Up to 5% on vouchers bought through Uni
- Up to 7% on flights booked on the Uni app or website
- 0% forex markup
- RuPay card issued with BOBCARD
05Pros and Cons
Pros
- No fees and 0% forex markup
- Flat 1% even on UPI spends
- Rewards build a small gold balance
- Useful higher rates on vouchers and flights
Cons
- No lounge access or travel perks
- Best rates only through the Uni app
- 1% base is fine but not high
06How BOBCARD Uni GoldX Credit Card earns Rewards
1% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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
07BOBCARD Uni GoldX Credit Card Travel Benefits
Spending abroad carries a 0% forex markup; rewards on it: earns nothing. See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel-surcharge waiver, up to ₹500 per statement, on fuel transactions up to ₹7,500
08BOBCARD Uni GoldX Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
Documents. PAN card (mandatory) Aadhaar, used for digital KYC Usually nothing to upload, as BOBCARD's application is fully digital
09Recent Changes
What Bank of Baroda changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 19 Sept 2026 | Reduced: Tolls stop earning Uni Coins; public transport and insurance earn only up to a monthly limitSource: Bank of Baroda | 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 |
| 2025 | Changed: Uni GoldX launched | - | - |
See this card's change history → · All card changes in September 2026 →
10Cards Similar to BOBCARD Uni GoldX Credit Card
BOBCARD Uni GoldX Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | BOBCARD Uni GoldX Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | Lifetime free | ₹499 + GST |
| Annual fee | Lifetime free | Lifetime free | ₹499 + GST |
| Rewards | 1% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | Unlimited | Not included |
| Forex markup | 0% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
11Explore More
Card facts last verified 28 September 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your BOBCARD Uni GoldX Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the Uni GoldX card free?
Yes. It has no joining fee and no annual fee for life.
How are rewards paid?
Rewards are credited as digital gold. You earn 1% on eligible spends and more on vouchers and flights booked through Uni.
Is there a forex charge?
No. The card charges 0% forex markup on foreign currency spends.
Who can apply?
Applicants aged 21 to 60 can apply, subject to the bank's checks.
What is the joining fee for the BOBCARD Uni GoldX Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the BOBCARD Uni GoldX Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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