Does the Bank of Baroda BOBCARD Uni GoldX give airport lounge access?

No lounge access is listed for this card.

What is the forex markup on the Bank of Baroda BOBCARD Uni GoldX?

0% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Bank of Baroda BOBCARD Uni GoldX?

No coins on money transfers, rent, fuel, cash withdrawals, wallet loads, international transactions, EMI, utilities and government services (aggregator)

M16S / Bank of Baroda / Bank of Baroda BOBCARD Uni GoldX

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Bank of Baroda BOBCARD Uni GoldX

Bank of Baroda · with Uni CardsLast checked 11 Oct 2026

The Bank of Baroda BOBCARD Uni GoldX charges no annual fee and no joining fee. It earns 1 Uni Coin per Re 1 on eligible spends, converted to digital gold at the prevailing price. Accelerated earn: Up to 5% in gold on brand vouchers bought in the Uni app. The forex markup is 0%. It lists no airport lounge access. Read from an aggregator, not the issuer on 11 Oct 2026.

Annual fee: Free
Fee waived at: —
Base return: —
Forex markup: 0%
Interest: 3.99%a month

Fees

Joining feeunverified	Free
Annual feeunverified	Free
Fee notes	Nil joining and annual fee (aggregator).

Rewards

Reward currency	Uni Coins, converted to 24K digital gold
Base earnunverified	1 Uni Coin per Re 1 on eligible spends, converted to digital gold at the prevailing price
Point value	Rupee value of a Uni Coin not stated in the source read
Accelerated earnunverified	Up to 5% in gold on brand vouchers bought in the Uni app
Spends that earn nothingunverified	No coins on money transfers, rent, fuel, cash withdrawals, wallet loads, international transactions, EMI, utilities and government services (aggregator)
Reward notes	All terms except the listing tagline are from an aggregator. base_return_pct left null because the coin-to-rupee value was not stated.

Travel and perks

Domestic loungeunverified	None
International loungeunverified	None
Forex markupunverified	0%
Fuel surcharge waiverunverified	1% waiver (aggregator states a cap of Rs 7,500, period not specified)
Other freebies	No complimentary insurance (MITC names UNI Gold X among excluded cards)

Charges and eligibility

Interest per monthunverified	3.99%
Late payment fee	Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300
Cash advance feeunverified	2.5% or minimum Rs 300 (aggregator)
Eligibilityunverified	Indian resident, age 21-60, salaried or self-employed (aggregator)
Fine-print notes	Fintech co-brand run through the Uni app; BOBCARD's own listing carries only a tagline and an enquiry button. Aggregator says the card is available 'for a limited time only'. International spends earn no coins even though forex markup is nil. No complimentary insurance (MITC).

Questions

What is the annual fee of the Bank of Baroda BOBCARD Uni GoldX?: No annual fee.
Does the Bank of Baroda BOBCARD Uni GoldX give airport lounge access?: No lounge access is listed for this card.
What is the forex markup on the Bank of Baroda BOBCARD Uni GoldX?: 0% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bank of Baroda BOBCARD Uni GoldX?: No coins on money transfers, rent, fuel, cash withdrawals, wallet loads, international transactions, EMI, utilities and government services (aggregator)