BOBCARD Uni GoldX
BOBCARD (Bank of Baroda) · Open to apply
A lifetime-free Uni card with a 0% forex markup and Uni Coins worth 1% on most domestic spends (5% on vouchers in the Uni store); international, utility, rent, fuel and wallet spends earn no coins.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 1 Uni Coin per ₹1 on eligible domestic spends (1%): 1 Uni Coins per ₹1 (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No coins on international transactions
- No coins on fuel (MCCs 5541, 5542, 5983)
- No coins on rent (MCC 6513)
- No coins on wallet loads (MCC 6540)
- No coins on utility and telecom services (MCCs 4812, 4814, 4815, 4816, 4821, 4829, 4899, 4900)
- No coins on government services
- No coins on education (MCCs 8299, 8211, 8241, 8244, 8249, 8220)
- No coins on toll and bridge fees (MCC 4784)
- No coins on cash withdrawals and money transfers (MCC 4829)
- No coins on EMI transactions
Terms the calculator does not value
- The page says 5% value back in Uni Coins on vouchers bought in the Uni Store 'as per the options'; the store's items and rates are not published, so only the 1% on spends is entered.
- Coins on passenger transport (MCCs 4111, 4112, 4131) are given only up to ₹20,000 of monthly spend, and on insurance (MCCs 6300, 5960) up to ₹50,000 of monthly spend; these two caps are not modelled.
- Uni customers cannot take part in other BOBCARD proprietary offers (MITC). The Visa card is primary; the virtual RuPay GoldX card shares its limit.
Sources
- BOBCARD Uni GoldX product page (Product page, the bank's own, read 6 Nov 2026)
- BOBCARD Consolidated MITC, version GENERIC MITC 2.0 JULY2026 (PDF created 7 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- BOBCARD Key Fact Statement (PDF created 17 Jul 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- BOBCARD notice, Revision in Product Features and Charges w.e.f. 1st April 2026 (PDF created 2 Mar 2026) (Bank notice, the bank's own, read 6 Nov 2026)