Bank of Baroda
BOBCARD Uni GoldX
Lifetime freeAnnual fee₹0
Verified 9 Sep 2026
Fees & charges
Joining fee₹0
Annual / renewal fee₹0, for life
Why this card
- 1% value back in Uni coins (24K digital gold) on every eligible transaction (exclusions apply)
- 5% value back in Uni coins when you shop for vouchers at the Uni Store
- Zero forex markup on international spends
- 1% fuel surcharge waiver, up to ₹500, on fuel transactions up to ₹7,500
- Rewards never expire and are held as real gold, so they can appreciate in value over time
Card names, fees and figures shown are illustrative; verify current terms with Bank of Baroda directly before applying.