Uni GoldX
EntryLifetime freeBOBCARD (Uni)
Where it ranks · across all 71 cards
#45 Online shopping1.0%direct#49 Groceries1.0%direct#49 Dining out1.0%direct
Reward rules
Base rate - everything not covered below
cashback
1.00%
effective
Via portals & vouchers - alternate methods (display, never rank)
- ✈ 7% flights & hotels via Uni app7.0%via uni storesrc ↗
App-advertised rate; BOBCARD page confirms only the 1%/5% tiers - verify in app before large bookings.
- 🎟 5% shopping via Uni Store (Amazon/Flipkart/Myntra)5.0%via uni storesrc ↗
Routed through Uni Store as brand vouchers. Fuel surcharge waiver 1% up to ₹500/cycle (txns up to ₹7,500).
Earns nothing on
- ⊘ Rent earns no Uni Coins (MITC; fee MCC corroborates).6513bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Fuel earns nothing.5172554155425983bank MCC list→ use MakeMyTrip ICICI here (1.0%)
- ⊘ Wallet loads, money transfers and cash withdrawals earn nothing.
- ⊘ Utilities earn nothing.4900bank MCC list→ use Airtel Axis Bank here (10.0%)
- ⊘ Government services earn nothing (categories only).
- ⊘ Education earns nothing.829982118241824482498220bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ EMI and international transactions earn nothing; sub-₹100 GoldX UPI txns too (MITC wording is "might not accrue").