Uni GoldX Credit Card
75/100
·
FREE
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
BOBCARD / YES Bank
Uni GoldX Credit Card
RuPay / Visa / Mastercard
LIFETIME FREE
Co-branded Digital Gold Credit Card
RUPAY / VISA / MASTERCARD
Uni GoldX Credit Card
by BOBCARD / YES Bank · Data verified 4 days ago
Uni GoldX Credit Card issued by BOBCARD / YES Bank in partnership with Uni (Uniorbit Technologies Pvt Ltd).
75
Score
Based on rewards, fees, benefits & eligibility
FREE
Fee
Waiver available on spending
1
Reward Pts
Base earn rate (per transaction slab)
1.00%
Cashback
On eligible transactions
1 RP Earn
base reward rate
4 per year Lounges
complimentary
Lifetime FREE
waiver available
75/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Cashback
1.00% on spends
₹
Net Annual Value
You save per year!
What's Great
- 100% Lifetime Free credit card with zero joining and annual fees
- Flat 1% return delivered in real 24K 99.9% pure digital gold on all retail spends
- Gold rewards appreciate in value and can be sold for instant cash anytime
- Issued on RuPay / Visa networks with seamless UPI scan-and-pay support
Things to Consider
- Lounge access subject to partner network spend qualification
- Gold price fluctuates with global bullion markets
Perfect For
Active users of Uni (Uniorbit Technologies Pvt Ltd) and digital shoppers
About This Card
Uni GoldX Credit Card is a next-generation co-branded card offering tailored benefits on Uni (Uniorbit Technologies Pvt Ltd) and nationwide merchant networks.
Annual Fee
FREE
Joining Fee
FREE
100% Lifetime Free
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
3.49% - 3.75%
Foreign Transaction Fee
Markup on international txns
0.00%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹250/mo
Interest-Free Period
On new purchases if paid in full
50
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹250) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹500
Nil
₹501-₹5,000
₹500
₹5,001-₹10,000
₹750
₹10,001-₹25,000
₹1,000
>₹25,000
₹1,200
1
Reward Pts
₹0.01
Point Value
1.00%
Cashback
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| All Spends (Gold Backing) | — | |
| Partner Merchants | — |
Point Value: 1 point = ₹0.01
Domestic Lounges
4 per year
Fuel Savings
₹250/mo
Shopping
- •India's first Gold-backed credit card: All spends earn 24K Digital Gold directly into the Uni Vault
- •Unlimited 1% value-back as 24K Digital Gold on all everyday online/offline spends and UPI payments
- •5% back (up to 8% on select brands) on brand vouchers (Amazon, Flipkart, Swiggy, Zomato, Myntra, Nykaa) via Uni Store
- •Unlimited 7% back on domestic and international flight bookings via Uni Store with zero cap
- •0% Forex Markup fee across 180+ countries worldwide
- •Flexible gold liquidity: Convert accumulated digital gold to cash at real-time market rates or deliver as physical 24K gold coins with zero making charges
- •Dual-network benefit: Physical Visa/Mastercard paired with complementary virtual RuPay card for UPI scan & pay
Travel
- •4 complimentary domestic airport lounge visits per year
Partner Benefits
- •Exclusive co-branded rewards and deals on Uni (Uniorbit Technologies Pvt Ltd) platform
EMI Options
- •Flexible EMI conversion available for retail purchases over ₹2,000
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
75
out of 100
CardSahayak Score
"Apply Now" takes you to BOBCARD / YES Bank's official website.
Eligibility
Salaried
₹25,000/mo
Self-Employed
₹360,000/mo
Age
21-60 yrs
CIBIL
720+
Employment
Salaried / Self-Employed
Card Variant
GoldX
Scores
Rewards
24/100
Fees
100/100
Benefits
26/100
Access
84/100
1 Active Offer
Deals & Offers
Exclusive offers available on Uni GoldX Credit Card
RuPay Network Offers
Experience seamless UPI payments with instant 20% savings on food orders and movie tickets with RuPay credit card linkage.
20
Till 31 Dec 2026
RUPAY20
dining
Discount
Flat 20% instant discount
Min Spend
₹299
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Link this RuPay credit card to your favorite UPI app and enter RUPAY20 at checkout.
Terms & Conditions
Valid on UPI transactions done via RuPay credit cards on partner merchant platforms.
Use Code:
RUPAY20
Visit Offer
❓ FAQ
Frequently Asked Questions
Everything you need to know about Uni GoldX Credit Card
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹360,000/month min
- • CIBIL: 720+ recommended
Uni GoldX Credit Card comes with zero annual fee — completely free for life!
You earn 1 reward points per eligible transaction. Each point is worth approximately ₹0.01.
Redeem for flights, hotels, vouchers via BOBCARD / YES Bank rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 4 per year
- → Complimentary domestic lounge access subject to partner bank network tier criteria (RuPay Select / Visa Signature) and minimum quarterly spend conditions.
- • Instant: Pre-approved BOBCARD / YES Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for Uni GoldX Credit Card today and unlock amazing rewards and premium experiences.
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