All Cards
visagoldcredit
BOBCARD Uni GoldX Credit Card
fintech
shopping
Annual Fee
FREE
Joining Fee
Nil
Base Reward
1% points
Interest Rate
3.99% per Month or 47.88% Annually
Welcome Benefits
N/A
Product Highlights
- No joining fee or renewal fee applicable
- No Forex markup charges
- Rewards with appreciating value
Rewards
Earn rewards of up to 5% when purchasing vouchers from leading brands, including Amazon, Zomato, Myntra, and others.
Redemption
Convert Uni Coins to 24K Digital Gold
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 5%(5% Digital Gold) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Amazon | 5% Digital Gold | online |
| Zomato | 5% Digital Gold | online |
| Myntra | 5% Digital Gold | online |
Benefits & Features
1% Surcharge Waiver; Up to ₹7,500 Only
Fees & Charges
Annual FeeFREE
Joining FeeNil
Interest Rate3.99% per Month or 47.88% Annually
Cash Advance2.5% or a Minimum Fee of ₹300
Eligibility
Min Age
21 years
Max Age
60 years
Available Networks
visa
Pros & Cons
Pros
- No joining fee or renewal fee applicable
- No Forex markup charges
- Rewards with appreciating value
Cons
- No other lifestyle perks offered
- No airport lounge access offered
- No milestone perks available
Additional Info
Excluded Categories
fuelrent
Partner Merchants
AmazonZomatoMyntra