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BOBCARD

Bobcard Uni Goldx

Bobcard Uni Goldx by BOBCARD. Facts on this page are extracted and verified automatically from official issuer documents.

Source-traced to issuer Verified 2026-08-02

Fees & welcome

Joining fee

No joining fee (lifetime free).

Verified · Bobcard Uni Goldx product page · 2026-08-02 · source

Annual / renewal fee

Lifetime free - no annual charges.

Verified · Bobcard Uni Goldx product page · 2026-08-02 · source

Earn rates

  • 1% value back in the form of Uni coins on every eligible transaction.
  • 5% value back when shopping through the Uni Store.
  • Currently 1 Uni Coin on every purchase of ₹1.

Verified · Bobcard Uni Goldx product page · 2026-08-02 · source

Fees & charges

Charge

  • Foreign currency transactions converted to INR at card network rates (foreign currency other than USD converted first via USD).
  • A forex markup fee may be levied (and may also apply to INR transactions at merchants/gateways based outside India).
  • Late payment charge levied per schedule of charges if Minimum Amount Due not paid by Payment Due Date.
  • Cash withdrawal charges levied from date of withdrawal until settlement.
  • Cheque/payment instrument dishonour fee, renewal, replacement, duplicate statement fees, ATM withdrawal fee, and applicable GST as per schedule of charges/MITC.

Verified · BOBCARD Uni GoldX Credit Card – General Terms & Conditions · 2026-08-02 · source

Rewards

Redemption value

  • No fee is levied to redeem Uni Coins.
  • Uni Coins can be redeemed as cashback into the Card Account or for Reward Store purchases.
  • Uni Coins do not expire and have lifetime validity, except that if the Card is not used for more than 365 days the accrued Uni Coins will be nullified.

Verified · BOBCARD Uni GoldX Credit Card – General Terms & Conditions · 2026-08-02 · source

Reward cap

  • Accrued Uni Coins will be nullified if the Card is not used for more than 365 days.
  • Uni Coins otherwise do not expire and have lifetime validity.

Verified · BOBCARD Uni GoldX Credit Card – General Terms & Conditions · 2026-08-02 · source

Reward exclusion

Uni Coins might not accrue for money transfersrent paymentsfuel transactionscash withdrawalsdigital wallet loading or top-up transactionsinternational transactions or for any other scenarios provided under the MITC

Verified · BOBCARD Uni GoldX Credit Card – General Terms & Conditions · 2026-08-02 · source

Official terms

Official terms

https://www.bobcard.co.in/credit-card-types/bobcard-uni-goldx.

Verified · Bobcard Uni Goldx product page · 2026-08-02 · source

Official sources

Official issuer pageBOBCARD Uni GoldX Credit Card – General Terms & Conditions

Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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