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 (No joining or annual fee currently listed).

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?

BOBCARD Uni GoldX Credit Card has higher conservative base reward value (~1% vs ~0.38%).

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.

Uni GoldX

Select

The short answer

Verdict

Pick Uni GoldX for spending abroad and rewards.

Pick Select for lounge access.

Head-to-head

Three core metrics

Annual fee

Uni GoldX ₹0

Select ₹0
Forex markup

Uni GoldX 0%

Select 1.99%

Uni GoldX saves ~₹1,990 per ₹1L abroad
Domestic lounge

Uni GoldX No complimentary lounge access

Select 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)

Select: +4 lounge visits/yr

Reward earning explained

Per card

Uni GoldX

Limited data

Select

3 pts / ₹200 · 10 pts / ₹200 on eligible dining, international, and travel

Strong 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 4/year (1 per 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: Strong data Select: Strong 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 BOBCARD Uni GoldX wins

BOBCARD Uni GoldX is better for rewards

BOBCARD Uni GoldX is stronger here. BOBCARD Uni GoldX conservative base value ~1% vs IDFC FIRST Bank Select's ~0.4%.

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: ~₹190/month at base rate

Illustrative only, using current base rates before caps.

Field	Uni GoldX BOBCARD	Select IDFC FIRST Bank
Insurance — Air accident cover Only available for IDFC FIRST Select	Not specified	₹1 crore
Insurance — Personal accident cover Only available for IDFC FIRST Select	Not specified	₹5 lakh
Insurance — Lost card liability cover Only available for IDFC FIRST Select	Not specified	₹50,000
Insurance — Underwriter Only available for IDFC FIRST Select	Not specified	Insured by New India Assurance
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 4/year (1 per quarter)	No complimentary lounge access	4/year (1 per quarter)
International lounge visits	No international lounge access	No international lounge access
Forex / International Use
Forex markup 0% vs 1.99%	0%	1.99%
Fees
Recurring annual fee	₹0	₹0
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Monthly interest rate Only available for IDFC FIRST Select	Not specified	0.71%–3.85% per month
Fuel benefit Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap vs 1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded	Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap	1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded
Rewards
Base earn 1% vs 3 pts / ₹200	1%	3 pts / ₹200
Conservative base value ~1% vs ~0.4%	~1%	~0.4%
Earn ceiling Not stated vs Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, Insurance & Utilities	Not stated	Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, Insurance & Utilities
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

IDFC FIRST Select Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

BOBCARD Uni GoldX

IDFC FIRST Bank Select

Verify with issuer