LuxMilesClubLuxMilesClub
Back

BOBCARD

BOBCARD Uni GoldX Card

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

Source-traced to issuer Verified 2026-07-29
Apply Now →

We may earn a commission if you apply through this link. This never affects our editorial handling.

Fees & welcome

Joining fee

₹0 (zero joining fee - lifetime free).

Verified · Uni GoldX Card product page · 2026-07-29 · source

Annual / renewal fee

₹0 (zero annual charges - lifetime free).

Verified · Uni GoldX Card product page · 2026-07-29 · source

Fee waiver

Lifetime Free - no joining fees and no annual charges.

Verified · Uni GoldX Card product page · 2026-07-29 · source

Earn rates

  • 1 Uni Coin on every purchase of ₹1.
  • Up to 5% value back at Uni Store (in Uni Coins) when shopping for vouchers.
  • Up to 5% value back with every eligible online and offline transaction.

Verified · BOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C) · 2026-07-29 · source

Fees & charges

Interest-free period

Payment Due Date of each bill will be up to a maximum period as prescribed in MITC (not numerically stated on the official source reviewed).

Verified · BOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C) · 2026-07-29 · source

Charge

  • Foreign currency transactions are converted to INR at rates designated by BOBCARD.
  • For non-USD foreign currency, conversion is first to USD then to INR at card network forex rates, and a forex markup fee may be levied (also on INR transactions at merchants/payment gateways based outside India).
  • Late payment charge is levied per the schedule of charges if Minimum Amount Due is not paid by the Payment Due Date.
  • Dishonoured payment instrument fee is levied per the schedule of charges.
  • Cash withdrawal charges are levied from the date of withdrawal until the date of settlement.
  • GST is levied at Government of India rates on charges, finance charges, late payment charges and other fees.
  • Other charges include renewal, replacement, duplicate statement and ATM withdrawal fees.
  • (Specific amounts are stated in the MITC.).

Verified · BOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C) · 2026-07-29 · source

Fuel

Fuel surcharge waiver

1% fuel surcharge waiver up to ₹500 for transactions up to ₹7,500 at petrol pumps across India.

Verified · Uni GoldX Card product page · 2026-07-29 · source

Rewards

Reward exclusion

Uni Coins might not accrue for money transfersrent paymentsfuel transactionscash withdrawalsdigital wallet loading or top-up transactionsinternational transactionsor other scenarios provided under the MITC. Fuel transactions eligible for surcharge waiver do not earn Reward Points

Verified · BOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C) · 2026-07-29 · source

Redemption value

  • No fee is levied to redeem Uni Coins.
  • Uni Coins can be redeemed as cashback into Card Account, for Reward Store purchases, or other offers.
  • Uni Coins do not expire (lifetime validity), except 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 and Conditions (T&C) · 2026-07-29 · source

Reward cap

  • Redemption of Uni Coins is subject to regular payment behaviour.
  • BOBCARD/Uni may block or adjust Uni Coins if repayment bounces and remains uncleared for more than 3 days.
  • If the Card is not used for more than 365 days, accrued Uni Coins will be nullified.

Verified · BOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C) · 2026-07-29 · source

Official terms

Official terms

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

Verified · Uni GoldX Card product page · 2026-07-29 · source

Official sources

Official issuer pageBOBCARD Uni GoldX Credit Card General Terms and Conditions (T&C)

Verified 2026-07-29 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

Continue exploring

Compare

Premium Cards Decision Hub

Side-by-side comparison of India's premium cards.

OpenTransfers

Transfer partner routes

Issuer-to-program transfer paths tracked by LuxMilesClub.

OpenCard · Axis Bank

Axis Bank Atlas Credit Card

Axis's transferable-miles workhorse — the reference card for EDGE Miles.

OpenCard · American Express

American Express Platinum Charge

Amex's flagship charge card — lounges, hotel status, high MR earn.

OpenCard · HDFC Bank

HDFC Infinia Credit Card

HDFC's invitation-only super-premium card with SmartBuy leverage.

OpenCard · Axis Bank

Axis Bank Horizon Credit Card

Axis Bank's airline-agnostic travel card and the successor slot to Atlas for new applicants.

Open