Uni Cards

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, flexible EMIs, zero pre-closure fees, paperless onboarding & 24x7 support.

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. (Uni Cards)

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