Fintech Cards
BOBCARD Uni GoldX Credit Card
- Joining fee
Nil
- Annual fee
Nil
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
1 Uni Coin for Every ₹1 Spent
- Reward redemption
Convert Uni Coins to 24K Digital Gold
Fees & charges
- Spend-based waiver
Nil
- Rewards redemption fee
Nil
- Foreign currency markup
Nil
- Interest rates
3.99% per Month or 47.88% Annually
- Fuel surcharge waiver
1% Surcharge Waiver; Up to ₹7,500 Only
- Cash advance charges
2.5% or a Minimum Fee of ₹300
Product highlights
- Earn rewards of up to 5% when purchasing vouchers from leading brands, including Amazon, Zomato, Myntra, and others
- No extra Forex fees apply when using your card abroad
- No joining fees and no annual charges
- Get a 1% waiver for fuel surcharges at gas stations throughout India
- Gold rewards don’t expire and can increase in value over time
Pros & cons
Pros
- No joining fee or renewal fee applicable
- No Forex markup charges
- Rewards with appreciating value
Cons
- No other lifestyle perks offered
- No airport lounge access offered
- No milestone perks available
FAQs
Is the Uni GoldX Credit Card lifetime-free?
Yes, it comes with no joining or annual fees.
What is the reward rate on regular spending?
You earn 1 Uni Coin per ₹1 spent, which can be converted into 24K digital gold.
What transactions do not earn Uni Coins?
No rewards on rent payments, fuel, wallet loading, EMI, cash withdrawals, utilities, government services, and international transactions.
Is there any expiry date for the digital gold earned?
No, 24K digital gold does not expire, unlike traditional reward points.