Which card has a lower forex fee: BOBCARD Uni GoldX Credit Card or IDFC FIRST Select Credit Card?

BOBCARD Uni GoldX Credit Card has lower forex markup (0% vs 1.99%).

Which card has a lower annual fee: BOBCARD Uni GoldX Credit Card or IDFC FIRST Select Credit Card?

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

BOBCARD Uni GoldX Credit Card: No complimentary lounge access. IDFC FIRST Select Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

BOBCARD Uni GoldX vs IDFC FIRST Bank Select Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the BOBCARD Uni GoldX and the IDFC FIRST Bank Select. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex BOBCARD Uni GoldX Lounge IDFC FIRST Bank Select

Quick comparison

Three core metrics

Uni GoldX BOBCARD

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge No complimentary lounge access

Select IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.99%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month

Reward earning explained

Per card

Uni GoldX

1% on General spend

Select

10 pts / ₹100 on Dining + 3 pts / ₹150 on General spend

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (BOBCARD Uni GoldX: ₹0 vs IDFC FIRST Bank Select: ₹0), forex markup (0% vs 1.99%), or lounge access (No complimentary lounge access vs 1/quarter).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Select has comparable evidence here. Forex markup is 1.99%.

Uni GoldX: Limited data Select: Limited data
Forex markup BOBCARD Uni GoldX wins

BOBCARD Uni GoldX is better for forex

BOBCARD Uni GoldX is stronger here. Forex markup is 0%.
Lounge access IDFC FIRST Bank Select wins

IDFC FIRST Bank Select is better for lounge access

IDFC FIRST Bank Select is stronger here. Domestic lounge access is 1 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only BOBCARD Uni GoldX has comparable evidence here. Estimated base reward value is ~1% on base spend.

Select: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

BOBCARD Uni GoldX: ~₹500/month at base rate
IDFC FIRST Select: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Uni GoldX BOBCARD	Select IDFC FIRST Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 1/quarter	No complimentary lounge access	1/quarter
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 1.99%	0%	1.99%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Rewards
Reward points (base spend) 1% vs 3 pts/₹150	1%	3 pts/₹150
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDFC FIRST Select	Not specified	₹0.25
Point validity Only available for IDFC FIRST Select	Not specified	2 years

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.