Bank of Baroda
BOB Uni GoldX Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹800 Rewards
Top Benefits
Earn up to 5% Value Back as Uni Coins on Every Eligible Online
and offline transaction, with an assured 1% value back as Uni Coins on every eligible spend
1% Value Back on UPI Spends
as Uni Coins on eligible UPI transactions ₹100 and above
Best For
Shopping
Travel
UPI
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Lifetime Free card (zero joining and zero annual charges)
- Assured 1% value back as Uni Coins on every eligible spend and up to 5% value back as Uni Coins on eligible online and offline transactions
- 0% forex markup on international spends
- Uni Coins that do not expire while the card is active
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Uni Coin = ₹1
Redemption Options
- Cashback via UniX App
- Products
- Vouchers
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Bank of Baroda Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Bank of Baroda Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Money Transfer
Fuel Transactions
Rent Payments
Cash
withdrawals
Digital Wallet Loading
International Transactions
EMI
Utility Bills
Government Services
For Spends Waiver
Money Transfer
Fuel Transactions
Rent Payments
Cash
withdrawals
Digital Wallet Loading
International Transactions
EMI
Utility Bills
Government Services
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  0% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 0% |
APR Fees Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of up to 1.25% of the rental transaction amount, or a minimum of ₹100 | 1.25% |
cheque Payment Fees A fee of ₹350 per instance is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹350 |
Cash Payment Fees No cash payment facility | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹400 |
| ₹1001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹950 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹800 Rewards
Top Benefits
Earn up to 5% Value Back as Uni Coins on Every Eligible Online
and offline transaction, with an assured 1% value back as Uni Coins on every eligible spend
1% Value Back on UPI Spends
as Uni Coins on eligible UPI transactions ₹100 and above
The smartest way to find your great credit card
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