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Uni GoldX Credit Card
Fintech Cards · BOBCARD / YES Bank

Uni GoldX Credit Card

1% back as 24K digital gold, including UPI

Joining fee₹0
Annual feeLifetime free
NetworkVisa + RuPay virtual card
Forex markup0%
LoungeNone
Best forLifetime Free
Apply on issuer site Compare
Details checked October 2026

01Rewards

Eligible spends incl. UPI (₹100+)1% as Uni Coins — keep as 24K digital gold or take as cashback
Vouchers in the Uni StoreUp to 5%

Redemption: Convert to 24K digital gold or cashback anytime.

02Fees, benefits & charges

Fee waiver
Lifetime free
Airport lounges
No lounge access on the card
Forex markup
0% (no rewards on international spends)
Fuel
1% surcharge waiver up to ₹500/cycle
No rewards on
Tolls, rent, fuel, wallet, international, EMI, utilities, government, education

03Highlights & watch-outs

Highlights

  • Free virtual RuPay card for UPI
  • Zero forex markup
  • Rewards in gold

Watch out for

  • Transport and insurance earn capped since Sep 2026
  • Coins lapse after 365 days of inactivity

Suits: Beginners who want a free card for UPI and travel abroad.

04FAQs

What is the annual fee of the Uni GoldX Credit Card?
The Uni GoldX Credit Card is lifetime free — there is no joining or annual fee.
Does the Uni GoldX Credit Card offer airport lounge access?
No lounge access on the card
What is the forex markup on the Uni GoldX Credit Card?
The foreign currency markup is 0% (no rewards on international spends).
Which spends don’t earn rewards on the Uni GoldX Credit Card?
Tolls, rent, fuel, wallet, international, EMI, utilities, government, education.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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