Bank of Baroda

BOB Uni GoldX Credit Card

Earn an assured 1% value back as Uni Coins on every eligible spend and up to 5% value back on eligible online and offline transactions with the Lifetime Free BOBCARD Uni GoldX Credit Card. Enjoy 0% forex markup on international spends, a 1% fuel surcharge waiver and Uni Coins that do not expire. Apply now - zero joining fee and zero annual charges

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Issued by

Bank of Baroda

BOB Uni GoldX Credit Card image
Joining FeeFree
Annual FeeFree
Income₹25000
Credit Score720

Key Highlights

Shopping

Earn up to 5% Value Back as Uni Coins on Every Eligible Online

and offline transaction, with an assured 1% value back as Uni Coins on every eligible spend

Earn up to 5% Value Back as Uni Coins on Every Eligible Online

and offline transaction, with an assured 1% value back as Uni Coins on every eligible spend

Travel

0% Forex Markup on International Spends

no additional charge is levied on international transactions in any currency

UPI

1% Value Back on UPI Spends

as Uni Coins on eligible UPI transactions ₹100 and above

1% Value Back on UPI Spends

as Uni Coins on eligible UPI transactions ₹100 and above

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree
Joining Fee OffsetNot Applicable
Annual FeeFree
Annual Fee WaiverNot Applicable
Estimated Annual Saving₹10000

Rewards & Redemption

Reward Conversion1 Uni Coin = ₹1
Redemption Options
  • Cashback via UniX App
  • Products
  • Vouchers
Earning ExclusionsMoney Transfer, Fuel Transactions, Rent Payments, Cash, withdrawals, Digital Wallet Loading, International Transactions, EMI, Utility Bills, Government Services
Spend ExclusionsMoney Transfer, Fuel Transactions, Rent Payments, Cash, withdrawals, Digital Wallet Loading, International Transactions, EMI, Utility Bills, Government Services

Benefits

All Benefits

  • Lifetime Free card (zero joining and zero annual charges)
  • Assured 1% value back as Uni Coins on every eligible spend and up to 5% value back as Uni Coins on eligible online and offline transactions
  • 0% forex markup on international spends
  • Uni Coins that do not expire while the card is active

Movie Ticket Benefits

  • Get 50% back on movie ticket spends at PVR and INOX every month. Valid on a minimum card spend of ₹10,000 per month

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver across all fuel stations in India, valid on transactions up to Rs.7,500, maximum waiver of ₹500 per statement cycle

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
Apply Now