BOBCARD Uni GoldX Credit Card

BOBCARD · Lifetime free

A lifetime free 1% card with no forex markup.

Base rate: 1% cashback.

What the bank says

• Lifetime free
• 1% value back as Uni coins on every eligible spend
• 5% on vouchers from the Uni Store
• Zero foreign currency markup

Things that catch people out

• Value back comes as Uni coins, used through the Uni app.
• Some categories are excluded; the page does not list them.

Joining fee: ₹0. Foreign currency markup: 0%.

Read from BOBCARD’s own page on 2026-09-16.

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