BOBCARD Uni GoldX
BOBCARD Limited
A simple, free flat-rewards card for someone who doesn't want to think about categories.
Free
Joining fee
Free
Annual fee
0%
Forex markup
3.9 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 620+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried or self-employed with stable income; income/CIBIL thresholds not disclosed.
Indian resident
Key features
- 1% Uni Coins on every transaction, non-expiring
- 5% on Uni Store vouchers
- Zero fees, zero forex
Reward details
1% back on UPI transactions and offline merchant payments
- 5% back on Amazon, Swiggy, Flipkart, and 200+ voucher brands via the Uni App
- 7% back on Flights and hotel bookings via the Uni App — unlimited
Redemption
Rewards issued exclusively as 24K digital gold, a distinctive structure; redeemable as cash or converted into a physical gold coin.
- Up to 50% off PVR/INOX movie tickets, capped at Rs 250/month.
- 1% fuel surcharge waiver, capped at Rs 500/month.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- 'Truly unique reward system,' perfect for those who prefer tangible, appreciating benefits, due to the no-fee structure and non-expiring 24K digital gold rewards. — CardInsider
Complaints
- Video KYC/address verification exceeded 48 hours with no status update; criticized onboarding support responsiveness. — CardInsider user quote, translated from Hindi
Sources
- Aggregator — fees, forex, lounge, rewards
- Aggregator — eligibility, lounge, sentiment
- Official (not independently verified) — product listing only (search result)