Uni: GoldX & UPI Credit Card

Introducing ⚜️GoldX - India’s first Gold-back credit card.

Time to ditch confusing points and short-lived cashback. With GoldX, your everyday spends turn into 24K Digital Gold - a reward that lasts.

This is a revolution in credit card rewards - far simpler, richer, and built around real value.

Brought to you in partnership with Yes Bank & Bank of Baroda.

✨Why Gold as rewards?

✅It work as an investment

✅It appreciate in value over time

✅It never expires, unlike other rewards

✨Where does GoldX reward you:

✈️Flights

Unlimited 7% back on all flight bookings via Uni Store. No minimum spend. No capping.

🛒Shopping, Groceries, Food

5% back on Amazon, Flipkart, Myntra, Zomato, Swiggy, BigBasket, Nykaa, TataCliQ via vouchers on Uni Store.

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Up to 8% back on many more popular merchants.

📱UPI

Unlimited 1% back on scan & pay

💳Online/offline spends

Unlimited 1% back, including insurance & jewellery

🌎Zero Forex Fee

Use GoldX in 180+ countries with zero additional fee.

🙌🏼100% Lifetime Free

Zero joining fee. Zero Annual Fee

✅How GoldX rewards work:

▶️You earn Uni Coins on spends where 100 Uni Coins = ₹1

▶️For example, book flights worth ₹1 Lakh, you will get 700,000 Uni Coins. Which is value back of ₹7000.

▶️Convert Uni Coins to 24K Digital Gold instantly inside the Uni app.

▶️Your GoldX Vault shows both grams and ₹ value, so you always know how much real value you’ve built.

▶️Convert this Gold to cash of equal value or mint into a physical gold coin with ZERO making charges.

⚠️Reward Exclusions

Money transfers, rent, fuel, cash withdrawals, wallet loads, international txns, EMI, Utilities & Govt services. There are no rewards on forex transactions.

✅How does GoldX on UPI work?

GoldX is a dual-network card. You get a primary VISA or MASTERCARD variant.

Along with that, users can request to issue a complementary RuPay variant from the Uni app. This is a virtual card and can be added to any UPI app - GooglePay, PhonePe, Paytm etc.

✅Is it safe & secure?

🔒24K Digital Gold in the Uni app is backed & secured by Augmont, one of India’s most trusted gold platforms.

🔒Stay in control: View & copy your card details from the Uni app

🔒Manage & set its transaction limits

🔒Lock your physical card anytime

🔒Reset your card PIN

✅How to get started:

▶️Install the Uni app and check your eligibility for GoldX.

▶️Complete KYC digitally

▶️Once approved, activate your GoldX card (and your RuPay virtual companion for UPI).

▶️Spend, earn, convert - watch your 24K Gold grow.

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Uni Loans

Travel, home renovation or a bigger expense?

⭐️Get up to ₹6 Lakhs in loan amount

✅Flexible EMI options

📁Close your loan early with ZERO fee

🧑🏻‍💻Paperless onboarding

📞24x7 Support

☑️Start in just 3 minutes.

Example of How Uni Personal Loan works:

Loan Amount = ₹51,000 | Disbursed = ₹50,000

Tenure = 36 months | Interest = 18% p.a |Fee = ₹1000

APR* = 19.43% | EMI = ₹1844

Total Interest Payable = ₹15,384

Total Amount Payable = ₹66,384

*Note: Numbers are for representation only. Final APR depends on credit assessment. APR (Annual Percentage Rate) is your total yearly borrowing cost, including interest and fees.

🎖All loans are facilitated through Unirewards Technologies Pvt Ltd (LSP & DLA) in partnership with our RBI-regulated partner:

NBFC - Northern Arc Capital Limited.

More from UNI

Manage, consolidate, and improve your credit all in one place.

Debt Relief: Professional help for users with high DPD/delinquency to navigate settlements.

Debt Consolidation: Merge multiple loans into one for lower interest rates and reduced EMIs.

Credit Score Improvement: Understand your credit health with video analysis & step-by-step guides to rebuild your score.

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Office address -

Unirewards Technologies Pvt Ltd.

No.3, B Nexus, 3rd Block, Koramangala 1A Block, SBI Colony, Koramangala, Bengaluru, Karnataka 560034

To know more, check our website 🌐www.uni.cards

Or send us an email to 📧care@uni.club