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Uni × BOBCARD
GoldX
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🆓 Lifetime free
Uni × BOBCARD

Uni Gold X Credit Card

★ 4.3 / 5 ⓘ How we rate

1% back as real 24K digital gold, plus 0% forex abroad

✅ Verified Oct 2026 from BOBCARD's official page →

🆓 Lifetime Free🎁 1% – 5% back in gold
Apply Now — it's free → 🔒 You'll apply on BOBCARD's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🪙
1% in 24K goldon every eligible spend
🌍
0% forexon international spends
📲
1% on UPIRuPay scan & pay
👤
Perfect for

People who like saving in gold and travellers who spend abroad

Key benefits

  • 1% back as 24K digital gold on eligible spends (no cap)
  • 1% back on RuPay UPI scan & pay (₹100+ transactions)
  • Up to 5% back in gold on vouchers in the Uni Store (Amazon, Zomato, Myntra…)
  • Zero forex markup on international transactions
  • 1% fuel surcharge waiver
  • Gold is held by Augmont and can be sold in the Uni app
Like these benefits?Lifetime free — nothing to lose.
Apply Now →

What's great

  • Lifetime free
  • Rewards in gold, not points
  • 0% forex markup

Good to know

  • No gold back on fuel, rent, wallets or international spends
  • Gold value goes up and down with market price
  • No lounge access

Quick facts

Fee waiverLifetime free — no joining or annual fee
Lounge accessNone
Min. incomeNo minimum stated
Age21 – 60 years
Credit score700+
NetworkRuPay
Forex markup0%
Joining feeFREE

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.99%/month (47.88% p.a.)
Foreign currency markup0%
Cash withdrawal fee2.5% (min ₹300)
Late payment fee₹100 – ₹1,300 by bill amount
  • 1.25% fee on rent (min ₹100)
  • 1% fee on utilities above ₹50,000
  • 1% fee on fuel spends of ₹10,000+
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

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❓ Uni Gold X — common questions

Is the Uni Gold X Credit Card lifetime free?

Yes. The Uni Gold X Credit Card has no joining fee and no annual fee.

What rewards does the Uni Gold X Credit Card give?

1% – 5% back in gold. 1% back as 24K digital gold on eligible spends (no cap).

Who is eligible for the Uni Gold X Credit Card?

Minimum income: No minimum stated. Age: 21 – 60 years. Credit score: 700+. Final approval is decided by the bank.

Does the Uni Gold X Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the Uni Gold X Credit Card?

0% on foreign currency spends (plus GST).

Who should get the Uni Gold X Credit Card?

People who like saving in gold and travellers who spend abroad.

Explore🆓 Lifetime Free Cards📲 UPI Credit Cards✈️ Travel Cards🆓 Free RuPay for UPI

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

Uni × BOBCARD GoldX🆓 Lifetime free · Apply in ~5 min
Apply Now →