BOBCARD Limited (Bank of Baroda subsidiary)
Uni GoldX Credit Card (BOBCARD)
Flat 1% value back in Uni Coins on eligible spends (1 coin per ₹1, each coin worth 1 paisa), higher on Uni Store vouchers, with no forex markup and no fees; no coins on fuel, rent, utilities, wallet loads or international spends.
- Lifetime free
- Works on UPI (RuPay)
- Visa / RuPay
Pros and cons
Good
- Lifetime free: no joining or annual fee
- Works on UPI and earns 1% there
- No forex markup
- Open to self-employed applicants
Watch out for
- Earns nothing on rent, fuel, wallet loads, utility bills and government payments
- Who it's for
- Anyone who wants a no-fee card for everyday spends that also works on UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1% (base rate)
- Online shopping
- 1%
- Fuel
- 0%
- UPI
- 1%
- Bills and utilities
- 0%
- Dining and food delivery
- 1%
Fees and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Lifetime free; no joining or annual fee
- Forex markup
- 0%
- Fuel surcharge waiver
- 1% waiver on fuel transactions up to ₹7,500, max ₹500 per statement cycle; a separate 1% fee applies to single fuel transactions of ₹10,000 or more. Fuel spends that get the waiver earn no Uni Coins.
Benefits and eligibility
- Airport lounge
- Not published by the bank
- Card network
- Visa, RuPay
- UPI payments
- Yes, as a RuPay credit card
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- Indian resident, age 21-60, salaried or self-employed; PAN mandatory, Aadhaar-based digital KYC. Minimum income not published.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the Uni GoldX Credit Card (BOBCARD)?
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by BOBCARD Limited (Bank of Baroda subsidiary).
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Questions people ask
Is the Uni GoldX Credit Card (BOBCARD) worth it in 2026?
Yes, as a no-fee card for everyday spends that also works on UPI: it costs nothing to keep. The catch: earns nothing on rent, fuel, wallet loads, utility bills and government payments.
Is the Uni GoldX Credit Card (BOBCARD) lifetime free?
Yes. The bank's fee schedule shows no joining fee and no annual fee.
Does the Uni GoldX Credit Card (BOBCARD) work on UPI?
Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 1% on UPI spends.
Does the Uni GoldX Credit Card (BOBCARD) give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the Uni GoldX Credit Card (BOBCARD)?
Also no Uni Coins on money transfers, and possibly none on UPI payments under ₹100 made with the GoldX RuPay card. In-app purchases on digital wallet apps may count as wallet loads. No cap on Uni Coins is published.
Who can get the Uni GoldX Credit Card (BOBCARD)?
Self-employed people can apply: PAN (mandatory) and Aadhaar-based digital KYC, age 21-60; no minimum income published; may need no document upload. Indian resident, age 21-60, salaried or self-employed; PAN mandatory, Aadhaar-based digital KYC. Minimum income not published. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read BOBCARD Limited (Bank of Baroda subsidiary)'s own terms and product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on BOBCARD Limited (Bank of Baroda subsidiary)'s official page. Fees and rewards change; check the issuer's terms before you apply.