BOBCARD Uni GoldX Credit Card

Available Card Variants

Visa & RuPay

Primary Uni GoldX variant co-branded with BOBCARD. Lifetime free with 24K real gold rewards and 0% forex markup.

YES Bank Uni Credit Card

Visa / RuPay

Uni variant co-branded with YES Bank offering 1% flat cashback across all transactions with zero forex markup.

Card Benefits

Key benefits available with this card.

24K Real Gold Rewards

Earn rewards in real 24K Digital Gold (Uni Coins). Convert your gold to cash anytime or mint into physical gold coins with zero making charges.

Zero Forex Markup Fee

Enjoy zero foreign currency markup on all international spends across 180+ countries.

Unlimited 7% Back on Travel

Earn unlimited 7% back on domestic and international flight and hotel bookings made through the Uni Store platform with no capping.

Up to 8% on Brand Vouchers

Get accelerated rewards of up to 8% (minimum 5%) on 200+ top brand vouchers including Amazon, Swiggy, Flipkart, Myntra, Zomato, and Blinkit.

50% Movie Cashback

Get 50% back on PVR & INOX movie tickets booked via Uni Store, capped at ₹250 per month (applicable on monthly spends of ₹10,000).

Dual Network Setup (Visa + RuPay)

Receive a physical Visa card for tap/chip and international payments, plus a virtual RuPay credit card for UPI Scan & Pay transactions.

1% Back on UPI Spends

Earn flat 1% back on eligible UPI Scan & Pay transactions using the virtual RuPay variant on supported UPI apps.

1% Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across petrol pumps in India (capped at ₹500 per month).

Lifetime Free Membership

Enjoy all travel, gold, and shopping privileges with zero joining and zero renewal fees.

Rewards & Points

How rewards are earned on this card.

Category	Reward	Details
Flights & Hotels via Uni Store	7.0000 points / ₹100	Unlimited 7% back in 24K Digital Gold on domestic and international travel bookings with no upper capping.
Brand Vouchers via Uni Store	5.0000 points / ₹100	Earn 5% to 8% back on 200+ brand gift vouchers (Amazon, Flipkart, Swiggy, Myntra, etc.).
PVR & INOX Movie Tickets	50.0000 points / ₹100	50% back on movie tickets via Uni Store, capped at ₹250 per month on achieving ₹10,000 total monthly spends.
UPI Scan & Pay Transactions	1.0000 points / ₹100	Flat 1% back on UPI Scan & Pay merchant transactions via the virtual RuPay card.
General Online & Offline Retail	1.0000 points / ₹100	Earn 1% back on all other regular domestic online and in-store retail purchases.
Excluded Categories	0.0000 points / ₹100	Transactions on fuel, wallet reloads, cash advances, and EMI conversions do not earn gold rewards.

Reward Point Value: ₹1.0000 per point

Reward Exclusions: Fuel transactions, wallet reloads, cash withdrawals, rent payments, and EMI conversions do not earn Uni Coins/Digital Gold.

Airport Lounge Access

Complimentary domestic lounge visits.

Fuel Surcharge Waiver

Waiver Rate 1.0000%

Maximum Monthly Waiver ₹500

Current Offers & Promotions

Lifetime Free Offer

Active

₹0 Joining & Annual Fee

Enjoy Lifetime Free membership with zero joining fee and zero annual renewal fees.

Zero Forex Markup Promotion

Active

0% Forex Markup

0% forex markup on all overseas and foreign currency transactions across 180+ countries.

PVR & INOX Movie Benefit

Active

50% Back

Maximum benefit: 250.00

50% back on PVR and INOX tickets via Uni Store, capped at ₹250 per month on achieving ₹10,000 total monthly spends.

Eligibility Criteria

Age

21 to 60 yrs

Employment

Salaried and Self-employed

Salaried Income

₹25,000 / month

Self-Employed

₹750,000 / year ITR

Credit Score

700+

New to Credit

Additional Eligibility Details

Age Requirement: 21 to 60 Years — Primary applicant must be an Indian resident aged between 21 and 60 years (Uni app pre-approval criteria may specify 25 to 50 years).

Salaried Income: ₹25,000 / month — Minimum monthly net salary of ₹25,000 is required for salaried applicants.

Self-Employed Income: ITR > ₹7,50,000 / year — Minimum annual ITR filing of ₹7.5 Lakhs or more is required for self-employed applicants.

Credit Score: 700+ — Minimum credit score of 700 with a clean credit repayment history.

Employment: Salaried & Self-Employed — Both salaried professionals and self-employed individuals are eligible.

Important Eligibility Information

Age: 21 to 60 years (Uni app guideline states 25–50 years for select pre-approvals). Salaried Income: ₹25,000/monthly. Self-Employed: ITR > ₹7,50,000/annum. Credit Score: 700+.

Income: Salaried: ₹25,000 per month. Self-employed: Annual ITR > ₹7,50,000.

Employment: Salaried and Self-employed Indian residents.

Credit Score: Minimum credit score of 700+ required.

Documents Needed

ID Proof: PAN Card/Form 60

Address Proof: Aadhaar, Passport, or Utility Bills

Income Proof: Bank Statements or Salary Slips

Fees & Charges

Standard Joining Fee

₹0

Annual Fee

₹0 + GST

Fee Terms: Lifetime Free card with no joining fee or annual renewal fee.

Pros

• Lifetime free credit card with zero joining and annual fees
• Rewards accumulated as real 24K Digital Gold (mintable into physical gold coins)
• Zero forex markup fee across 180+ countries
• Unlimited 7% back on flight and hotel bookings via Uni Store
• Up to 8% back on popular brand vouchers (Amazon, Swiggy, Myntra, etc.)
• 50% back on PVR & INOX movie tickets (up to ₹250/month)
• Dual network power: Physical Visa card + Virtual RuPay UPI card

Cons

• No complimentary airport lounge access
• Base reward rate on general offline/UPI spends is standard at 1%
• 50% movie cashback requires ₹10,000 overall monthly spend
• High finance charges of 3.99% per month (47.88% p.a.) if revolving balance

BOBCARD Uni GoldX Credit Card

Available Card Variants