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Credit cards

Uni GoldX Credit Card

A lifetime-free co-branded card earning Uni Coins with no forex markup.

Cashback1% value back in Uni Coins on eligible transactions; 5% value back on eligible Uni Store voucher purchasesOffers and promotional benefits5% value back on eligible Uni Store voucher purchasesAnnual / renewal feeNil
Official product page ↗Compare category

Quick eligibility check

Uni GoldX Credit Card

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you an Indian resident?

Published source: Eligibility

2Are you aged 21 to 65?

Published source: Eligibility

3Document checkDo you have this required document or proof: PAN?

Published source: Eligibility

4Document checkDo you have this required document or proof: Aadhaar for digital identity and address verification?

Published source: Eligibility

5Document checkDo you have this required document or proof: income proof?

Published source: Eligibility
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byBank of Baroda

India; issuance is subject to LIMITED approval and the product-specific criteria

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

IssuerBOBCARD LIMITEDView source
Checked against the current official issuer catalogue and controlling terms.
Source
Issuer
Page / section
Issuer
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Interest-free credit period20 to 50 days when there is no previous outstandingEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Interest-free period
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Minimum amount due100% of fees, charges, finance charges, GST and EMI amount, plus 2% of retail spends and cash advances, or ₹200, whichever is higher; over-limit amount applies when higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cash-withdrawal charge2.5% of the amount withdrawn or ₹500, whichever is higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Late-payment chargeNil below ₹100; ₹100 for ₹100–₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 above ₹50,000Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Rent-payment processing fee1% of the transaction amount for rent-payment MCC 6513Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Wallet-loading processing fee1% on wallet-loading MCCs 6539, 6540, 6541 and 6542; wallet loading is not allowed on Micro EnterpriseEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
High-value utility-payment fee1%, capped at ₹3,000 per transaction, when an MCC 4900 utility transaction is ₹50,000 or higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
High-value fuel-payment fee1% when a listed fuel-MCC transaction is ₹10,000 or higher; not applicable to HPCL ENERGIE BOBCARDEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Over-limit charge2.5% of the amount above the sanctioned credit limit or ₹600, whichever is higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cash-payment processing fee₹250 for every cash paymentEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cheque-payment processing fee₹100 for every cheque paymentEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cheque-return / auto-debit bounce charge2% of the payment amount, subject to a minimum of ₹500Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Card-replacement charge₹100 per cardEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Charge-slip retrieval charge₹250 per charge slipEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Duplicate-bill charge₹25 per billEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
GST on charges18% on fees, interest and other chargesEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Published card benefits1% value back in Uni Coins on eligible transactions; 5% value back on eligible Uni Store voucher purchases; Zero joining fee and annual fee; Zero forex markup; 1% fuel-surcharge waiver up to ₹500 on transactions up to ₹7,500View source
Checked against the current official issuer catalogue and controlling terms.
Source
Published card benefits
Page / section
Current card catalogue
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Annual / renewal feeNilView source
Checked against the current official issuer catalogue and controlling terms.
Source
Annual / renewal fee
Page / section
Fees and charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Foreign-currency markup0%View source
Checked against the current official issuer catalogue and controlling terms.
Source
Foreign-currency markup
Page / section
Travel / foreign-currency benefit
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
BOBCARD Uni GoldX value backUni GoldX provides 1% value back in Uni coins on eligible transactions and 5% value back when shopping for vouchers through the Uni Store. Rewards do not expire and can be redeemed through the Uni ecosystem.View source
The official page publishes the 1% and 5% Uni-coin value-back rates and no-expiry statement.
Source
Uni GoldX Credit Card
Page / section
Benefits /
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
BOBCARD Uni GoldX feesJoining fee, annual membership fee and renewal fee are zero. The card is described as lifetime free. The linked Uni MITC also lists zero joining, annual and renewal fees.View source
The official Uni schedule lists zero joining, annual membership and renewal fees; the product page describes the card as lifetime free.
Source
Uni GoldX Most Important Terms & Conditions
Page / section
Fees and Charges — Schedule of Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
BOBCARD Uni GoldX travel and fuel benefitsThe product page states zero forex markup. It also provides a 1% fuel-surcharge waiver for eligible petrol-pump transactions up to ₹7,500, capped at ₹500.View source
The official product page publishes zero forex markup and the fuel-waiver percentage, transaction limit and cap.
Source
Uni GoldX Credit Card
Page / section
Benefits / Additional Benefits
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
BOBCARD Uni GoldX eligibilityThe application-guidelines section lists Indian residence, age 21 to 60 years, and salaried or self-employed status. PAN is mandatory and Aadhaar is used for digital identity and address verification.View source
The official Application Guidelines section publishes residence, age, employment and identity requirements.
Source
Uni GoldX Credit Card
Page / section
Application Guidelines
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Annual finance charge45% per annumEffective 5 May 2026View source
The states 3.75% per month, or 45% per annum, for all other credit cards; ETERNA and TIARA have a separate 3.25% tier and Micro Enterprise is 1.5%.
Source
Key Fact Statement — 5 May 2026
Page / section
Finance charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Monthly finance charge3.75% per monthEffective 5 May 2026View source
The states 3.75% per month, or 45% per annum, for all other credit cards; ETERNA and TIARA have a separate 3.25% tier and Micro Enterprise is 1.5%.
Source
Key Fact Statement — 5 May 2026
Page / section
Finance charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
NetworkMastercard, Visa or RuPay, depending on the card association.View source
The terms list Mastercard Worldwide, Visa International and RuPay services depending on the network to which the card is associated.
Source
Uni GoldX general card terms
Page / section
Services provided by card network
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Annual-fee waiverNo annual fee; fee waiver is not applicable.Effective 5 May 2026View source
The annual-fee table lists NIL annual fee and NIL fee-waiver criterion for these lifetime-free variants.
Source
Key Fact Statement — 5 May 2026
Page / section
Annual fees and fee-waiver criteria
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Cashback1% value back in Uni Coins on eligible transactions; 5% value back on eligible Uni Store voucher purchasesView source
Derived from the manually reviewed “Published card benefits” block; see the issuer source for exclusions and controlling terms.
Source
Published card benefits
Page / section
Current card catalogue
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Rewards1% value back in Uni Coins on eligible transactions; 5% value back on eligible Uni Store voucher purchasesView source
Derived from the manually reviewed “Published card benefits” block; see the issuer source for exclusions and controlling terms.
Source
Published card benefits
Page / section
Current card catalogue
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Offers and promotional benefits5% value back on eligible Uni Store voucher purchasesView source
Derived from the manually reviewed “Published card benefits” block; see the issuer source for exclusions and controlling terms.
Source
Published card benefits
Page / section
Current card catalogue
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndian resident; primary age 21–65; income proof; issuer approval.View source
Indian resident; primary age 21–65; income proof; issuer approval.
Source
Uni GoldX Credit Card — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Airport-lounge accessNo complimentary airport-lounge access is listed for BOBCARD Uni GoldX on the reviewed official product page.View source
The current official page has no airport-lounge entitlement in its published benefit blocks or comparison fields.
Source
Uni GoldX — official product page
Page / section
Published benefits / airport lounge access
Accessed
28 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • 1% value back in Uni Coins on eligible transactions
  • 5% value back on eligible Uni Store voucher purchases
  • Zero joining fee and annual fee
  • Zero forex markup
  • 1% fuel-surcharge waiver up to ₹500 on transactions up to ₹7,500

Eligibility

  • Indian resident
  • primary age 21–65
  • income proof
  • issuer approval.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Aadhaar for digital identity and address verification

Related official documents

BOBCARD generic Most Important Terms and Conditions — March 2024official-terms · historical-reference · accessed 26 Aug 2026
↗
BOBCARD Key Fact Statementkey-fact-statement · current-with-later-product-revision · accessed 15 Aug 2026
↗
Revision in BOBCARD Product Features / Benefits effective 15 July 2026product-revision · current · accessed 25 Sept 2026
↗
BOBCARD Uni GoldX general card termsofficial-terms · current · accessed 26 Aug 2026
↗
Apply for Credit Card Online — BOBCARD income and approval guidanceofficial-product-page · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

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Try your numbers

Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,875one thousand eight hundred seventy-five rupees
Balance after that interest₹51,875fifty-one thousand eight hundred seventy-five rupees
Monthly rate × 1245%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Automatic enrolment · Published ruleUsing the card automatically enrols the cardholder in the Rewards Programme

This value is copied from Uni Coins earn and redemption rules. Check the table notes before relying on it.

Source: Uni GoldX Credit Card General Terms and Conditions · Rewards Programme Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsUni Coins earn and redemption rulesReward rules stated in the BOBCARD Uni GoldX general card terms.View tableHide table

Scroll sideways to view every column

Uni Coins earn and redemption rules
TopicPublished rule
Automatic enrolmentUsing the card automatically enrols the cardholder in the Rewards Programme
Earn rate1 Uni Coin on every purchase of ₹1
No coins onMoney transfers, rent payments, fuel transactions, cash withdrawals, digital-wallet loading/top-ups, international transactions and other exclusions may not earn coins
Cashback redemptionUni Coins can be redeemed for cashback into the card account
Reward StoreUni Coins may be used toward products in the Uni App Reward Store; the full or reduced price depends on the offer
Redemption feeNo fee is levied to redeem Uni Coins
categoriesFood & Dining, Shopping, Travel, Entertainment, Groceries, Bills & Utilities, Fuel and other network-assigned categories
ForfeitureCoins may be forfeited on closure, , dues overdue more than 90 days, settlement or certain blocked-card situations
  • The terms state that may change the programme or conversion rate; current offers and exclusions are controlled by the app/.
Uni GoldX Credit Card General Terms and Conditions · Rewards Programme · accessed 26 Aug 2026Open official source ↗
Table 2 · 1 row · 2 columnsNetwork services named in Uni GoldX termsEmergency and assistance services are described for the network associated with the card.View tableHide table

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Network services named in Uni GoldX terms
NetworkPublished service statement
Visa / Mastercard / RuPayEmergency services and assistance may be provided through network third-party agents on a best-effort basis; the cardholder bears the cost and does not accept responsibility for arranging or using those services
Uni GoldX Credit Card General Terms and Conditions · Services Provided by Card Network · accessed 26 Aug 2026Open official source ↗
Table 3 · 6 rows · 2 columnsOperational limits and controls published in Uni GoldX termsOperational rules relevant to comparing card use and repayments.View tableHide table

Scroll sideways to view every column

Operational limits and controls published in Uni GoldX terms
TopicPublished rule
repaymentMost handles allow an upper limit of ₹1 lakh per day; payments beyond ₹1 lakh must be split before the payment due date
ActivationCard is activated for domestic and by default; domestic contactless/online and international channels can be enabled through the Uni App
Credit limit determines and may revise, reduce, suspend or cancel the credit limit based on internal criteria and creditworthiness
Foreign currencyNon- transactions are converted on settlement; non- transactions are converted through ; forex markup may apply
Fuel transactionsEligible fuel transactions do not earn reward points; on fuel surcharge is not reversed
Customer careUni App, 080-6821-6821 / 7026022022, WhatsApp 7066022022 and care@uni.club are listed for support/lost-card reporting
Uni GoldX Credit Card General Terms and Conditions · Uni Cards Mobile Application; Charges; Payments; Foreign Transactions; Lost or Stolen Cards · accessed 26 Aug 2026Open official source ↗
Table 4 · 19 rows · 2 columnsGeneric BOBCARD tariff and finance charges — March 2024Dated common tariff from the official generic MITC; current 2026 sources control where they differ.View tableHide table

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Generic BOBCARD tariff and finance charges — March 2024
Charge / featurePublished amount or condition
Interest-free period20 to 50 days when there is no previous outstanding; not applicable when prior balance is not cleared in full or cash is withdrawn
Minimum amount due5% of outstanding balance or ₹200, whichever is higher; may vary for irregular payments
Cash withdrawal2.5% of amount withdrawn or ₹500, whichever is higher; cash withdrawal unavailable for Unnati co-brand
Finance chargesUnnati 1.50% monthly / 18% p.a.; Eterna, Prime, Varunah Plus, Varunah, Premium, Yoddha, The Sentinel, Vikram, Rakshamah and Empower Business 3.25% monthly / 39% p.a.; Premier, Corporate, Signature, Assure and PayTM 3.49% monthly / 41.88% p.a.; all other cards 3.6% monthly / 43.2% p.a. in this dated
Duplicate bill₹25 per bill
Fuel surcharge waiver: 1% waived on ₹500–₹3,000, capped ₹100/statement; Varunah base: 1% waived on ₹400–₹5,000, capped ₹100; : same range at stations, capped ₹100; other cards: ₹400–₹5,000, capped ₹250; component is not reversed and eligible fuel transactions do not earn reward points
Cheque return / auto-debit bounce2% of payment amount, minimum ₹500
Cash / cheque payment₹250 per cash payment; ₹100 per cheque payment
18% on fees, interest and other charges under the dated government rate cited in the document
Over-limit2.5% of amount above sanctioned limit or ₹600, whichever is higher
Card replacement₹100 per card
Charge-slip retrieval₹250 per charge slip
Foreign currency transaction feeEterna, Varunah Premium, , and 2%; Varunah Plus 2.5%; Yoddha, The Sentinel, Rakshamah and Vikram 3%; all other cards 3.5%; Unnati not valid for international transactions
Limit enhancementNo fee
Late-payment chargeNil below ₹100; ₹100 for ₹100–₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 above ₹50,000
Rent-payment processing1% of total transaction amount for 6513
Contactless transactionTransactions of ₹5,000 or less can be made by tap without signature or , subject to the dated terms
Billing dispute windowStatement discrepancies should be raised within 15 days of statement generation or 45 days of transaction; later disputes are at discretion
Reward-point lapseReward points lapse on closure, , dues overdue more than 90 days, settlement, fraud after investigation, death, no use for more than 365 days, or certain blocked/replacement-card situations
  • This table is intentionally dated. It is a historical reference and must not override the current , July 2026 revision or current product page.
generic Most Important Terms and Conditions — March 2024 · Pages 1–4 — tariff, billing, insurance, rewards and support · effective 21 Mar 2024 · accessed 26 Aug 2026Open official source ↗

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