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Bank of Baroda
Lifetime free with a 0% foreign currency markup, and 1% of every spend returned as 24K gold
One-time
Zero renewal fee
Uncapped rewards
Score 700+
Applying takes you to Bank of Baroda. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from Bank of Baroda’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromOnline shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Online shopping — Up to 5% value back in Uni Coins when buying vouchers at the Uni Store., with no stated cap.
Biggest limitation
The reward is digital gold, so its rupee value moves with the gold price and it cannot be taken as statement credit.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5%
uncappedOnline shopping
Up to 5% value back in Uni Coins when buying vouchers at the Uni Store.
1%
uncappedEverything else
1% assured 24K digital gold on spending, earned as one Uni Coin per rupee of purchase.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The card carries no annual fee, so there is no waiver to earn. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | Slab-based on the total amount due, as published in BOBCARD's MITC | — |
| Foreign currency markup | 0% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
1% on UPI spends. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Bank of BarodaIRCTC BOBCARD Credit Card₹350
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Bank of BarodaBOBCARD EASY Credit Card₹590Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177IDFC FIRST Mayura Credit CardIDFC BANKIDFC FIRST Mayura Credit Card₹7,079| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| BOBCARD Uni GoldX Credit Card · this card | Lifetime free | 5% online shopping | No |
| IRCTC BOBCARD Credit Card | ₹350 | Up to 10% cashback | No |
| Snapdeal BOBCARD Credit Card | ₹249 | Up to 5% cashback | No |
| BOBCARD SELECT Credit Card | ₹885 | Up to 1% cashback | No |
| BOBCARD EASY Credit Card | ₹590 | Up to 0.2% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 5% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Credited as 24K digital gold against spending, Redeemed as Uni Coins against vouchers at the Uni Store
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Yes. BOBCARD publishes a 0% forex markup on this card, alongside no joining fee and no annual charges. Across this whole catalogue only a handful of cards are both free to hold and free to use abroad, and most cards with a discounted markup charge between Rs. 1,000 and Rs. 15,000 a year for it.
You earn 1 Uni Coin on every Rs. 1 of purchase, and BOBCARD returns 1% assured 24K digital gold on spending. At the Uni Store, buying vouchers, the value back rises to 5% in Uni Coins. So the base return is 1% in metal rather than points or statement credit.
It is a different one. Gold holds a market price, so its rupee value moves — up or down — rather than being fixed by a conversion rate the issuer can revise. Over a long holding that can work in your favour in a way points never do. The trade-off is that it is not cash: you cannot take it as statement credit, and realising it means selling the gold.
It is the co-brand's own voucher storefront, and spending there returns up to 5% in Uni Coins against the card's 1% base. That is the familiar pattern of a co-brand paying most inside its own channel — useful if you buy vouchers you would have bought anyway, and worth nothing if you do not.
Yes. It is a RuPay card, and RuPay is the only network whose credit cards can be linked to a UPI app. Combined with zero forex and no fee, that makes it an unusually versatile card to hold — useful at a QR code in India and at a terminal abroad, at no cost either way.
There is no airport lounge access, and the 1% base rate is modest against the cashback cards in this catalogue paying 2% or 3% online. The card's case is entirely the two zeros — no fee and no forex markup — plus a reward currency that behaves differently from points. For a main earning card, something else here will pay more.
BOBCARD publishes no joining fee, no annual charges and a 0% foreign currency markup on this card. Both of those on the same card is rare: across this catalogue only a handful of cards manage it, and the cards that discount their markup usually charge between Rs. 1,000 and Rs. 15,000 a year for the privilege.
The arithmetic is simple and worth doing. On Rs. 1,00,000 of spending abroad a 3.5% card costs about Rs. 4,130 once GST is added. This one costs nothing. Two foreign trips a year and the card has saved more than most paid travel cards return — while costing nothing at all in the years you do not travel.
The card returns 1% assured 24K digital gold on spending, earned as one Uni Coin on every rupee of purchase, and up to 5% value back in Uni Coins at the Uni Store.
Gold behaves differently from a points balance. Its rupee value is set by the metal's market price rather than by a conversion rate the issuer publishes and can revise — which over a long holding can work in your favour in a way a points balance never does. The cost of that is liquidity: it is not cash, there is no statement-credit route, and realising the value means selling the gold.
Not as a main earning card. One per cent on general spending is modest against the cashback cards in this catalogue paying 2% or 3% online, and there is no airport lounge access at all.
Where it earns its slot is as a card you hold for the two zeros. Keep it for foreign transactions, where it costs nothing where other cards cost 3.5%, and for QR payments — it runs on RuPay, so it links to a UPI app, which a Visa or Mastercard credit card cannot. At no annual cost there is no reason not to hold one alongside a higher-earning card.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
BOBCARD Uni GoldX Credit Card — 5% on online shopping. No annual fee.