BOBCARD Uni GoldX Credit Card: rewards, caps and exclusions
The BOBCARD Uni GoldX Credit Card pays about 1% on Transport, on the first ₹20,000 of spend a month, and 1% on everything else. Below is every rate, cap and exclusion in Bank of Baroda's published terms, as we last checked them on 11 November 2026.
What it earns
≈ marks a rate paid in points, valued at ₹0.01 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Money transfers
- Rent
- Fuel
- Wallet loads
- Utility bills
- Telecom bills
- Government payments
- Education fees
- Cash withdrawals and fees
- International spends
- EMI conversions
- Tolls (since 19 September 2026)
What costs extra
Worse than earning nothing: Bank of Baroda charges a fee for these.
- 1.25% on Rental Transaction Fee, at least ₹100, plus GST
- 1% on Processing Fee on Wallet Loading Transactions, plus GST
- 1% on Surcharge on education payment (third-party apps), plus GST
Fees
- Annual fee: none
- Joining fee: none
Where this comes from
Transcribed from Bank of Baroda's own documents and checked against them on 11 November 2026:
- product page, bobcard.co.in
- BOBCARD Uni MITC, media.bobcard.co.in (PDF)
- Uni GoldX KFS, media.bobcard.co.in (PDF)
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Bank of Baroda's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
We know this card's rules, but we don't read Bank of Baroda's mail yet, so the audit can't check your swipes on it. Which banks we read
Other Bank of Baroda cards
1% on International Transaction
BOBCARD Eterna Credit Card≈3.75% on International (in store / online), Food (in store / online), Travel (in store / online)
BOBCARD Premier Credit Card≈2.5% on International (in store / online), Food (in store / online), Travel (in store / online)
BOBCARD Scapia Credit Card≈4% on Travel purchases made on the Scapia App
BOBCARD Tiara Credit Card≈3.75% on International (in store / online), Food (in store / online), Travel (in store / online)
HPCL ENERGIE BOBCARD Credit Card≈4% on Fuel purchases at HPCL retail outlets, LPG purchases & through HP Pay App (in store / online)
Snapdeal BOBCARD Credit Card≈5% on Purchases on the Snapdeal website & Mobile App (in store / online)