BOBCARD (Uni) · Entry · lifetime free
Uni GoldX
Where it ranks across all 187 cards
#28 Insurance
1.0%
direct
#47 Jewellery & watches
1.0%
direct
#54 Gaming
1.0%
direct
#59 Mobile / broadband
1.0%
direct
#67 Train tickets
1.0%
direct
#70 Cabs & transit
1.0%
direct
#73 Other
1.0%
direct
#75 Health & pharmacy
1.0%
direct
#78 Electronics
1.0%
direct
#86 Hotels
1.0%
direct
portal reaches 7.0%
#87 Flights
1.0%
direct
portal reaches 7.0%
#87 Movies & events
1.0%
direct
#87 Fashion
1.0%
direct
#88 Online shopping
1.0%
direct
#88 Food delivery
1.0%
direct
#90 Groceries
1.0%
direct
#94 Dining out
1.0%
direct
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Reward rules1 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: BOBCARD Uni GoldX (bobcard.co.in) - bobcard.co.in - read 20 Aug 2026
Base rate, but capped2
1% on transport, railways & bus - capped
base rate
source
Source: BOBCARD Uni GoldX MITC v9 (bank PDF), Rewards Programme clause b - media.bobcard.co.in - read 21 Sep 2026
1% on insurance - capped
base rate
source
Source: BOBCARD Uni GoldX MITC v9 (bank PDF), Rewards Programme clause b - media.bobcard.co.in - read 21 Sep 2026
Via portals & vouchersdisplay, never ranks
7% flights & hotels via Uni app
via uni store
source & note
App-advertised rate; BOBCARD page confirms only the 1%/5% tiers - verify in app before large bookings.
Source: Uni app (rate not on BOBCARD page) - uni.cards - read 20 Aug 2026
7.0%
5% shopping via Uni Store (Amazon/Flipkart/Myntra)
voucher route via uni store
source & note
Routed through Uni Store as brand vouchers. Fuel surcharge waiver 1% up to ₹500/cycle (txns up to ₹7,500).
Source: BOBCARD Uni GoldX (bobcard.co.in) - bobcard.co.in - read 20 Aug 2026
5.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on9 exclusions
International transactions
earns nothing
International transactions earn NO Uni Coins, despite the card's zero forex mark-up and its marketing as ideal for international travel.
detail & source
The two are separate facts.
international: yes
Source: BOBCARD Uni GoldX MITC v9 (bank PDF), Rewards Programme clause b - media.bobcard.co.in - read 21 Sep 2026
Tolls and bridge fees
earns nothing
Tolls and bridge/road fees (MCC 4784) earn nothing, effective 19 September 2026.
→ use FIRST Private here (6.6%)
detail & source
Other transit still earns - this is MCC-scoped, not the whole category.
MCCs: 4784
Source: BOBCARD Uni GoldX MITC v9 (bank PDF), Rewards Programme clause b - media.bobcard.co.in - read 21 Sep 2026
Rent
earns nothing
Rent earns no Uni Coins (MITC; fee MCC corroborates).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: BOBCARD Uni GoldX MITC v9 (bank PDF) - media.bobcard.co.in - read 21 Sep 2026
Fuel
earns nothing
Fuel earns nothing.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: BOBCARD Uni GoldX MITC v9 (bank PDF) - media.bobcard.co.in - read 21 Sep 2026
Wallet load
earns nothing
Wallet loads, money transfers and cash withdrawals earn nothing.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: BOBCARD Uni GoldX MITC v9 (bank PDF) - media.bobcard.co.in - read 21 Sep 2026
Utility bills
earns nothing
Utilities earn nothing.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills · MCCs: 4900
Source: BOBCARD Uni GoldX MITC v9 (bank PDF) - media.bobcard.co.in - read 21 Sep 2026
Government / tax
earns nothing
Government services earn nothing (categories only).
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: BOBCARD Uni GoldX MITC v9 (bank PDF) - media.bobcard.co.in - read 21 Sep 2026
Education
earns nothing
Education earns nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8299, 8211, 8241, 8244, 8249, 8220
Source: BOBCARD Uni GoldX MITC v9 (bank PDF) - media.bobcard.co.in - read 21 Sep 2026
EMI
earns nothing
EMI transactions earn nothing.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
(Sub-₹100 GoldX UPI txns are a separate, hedged clause - the MITC says they "might not" accrue.)
categories: EMI
Source: BOBCARD Uni GoldX MITC v9 (bank PDF) - media.bobcard.co.in - read 21 Sep 2026