Bank of Baroda / YES BANK
UNI GoldX Credit Card
UNI GoldX Credit Card is a lifetime-free RuPay credit card that rewards users with 24K digital gold on UPI and card spends while also offering zero forex markup for international transactions.
Highlights
Main benefits
- Earn real 24K digital gold on spends
- Zero forex markup on international transactions
- Lifetime free card
- Works with UPI via RuPay
- Instant digital card access through app
- Rewards do not expire
Fees
Fees and charges
Joining fee
₹0
Renewal fee
₹0
Annual fee waiver
Not required because the card is lifetime free.
Who can apply
Eligibility
•Indian resident •Age between 21–60 years •Salaried or self-employed individual •Minimum salary around ₹25,000/month or ITR around ₹7.5 lakh+ annually •Good credit score/history preferred (generally 750+) •Aadhaar-linked mobile number for digital KYC
Checklist
Documents required
PAN Card, Aadhaar Card, address proof, income proof (if requested), selfie/video KYC
Process
How to apply
1. Download the UniCards app or visit the official website. 2. Enter your mobile number and verify with OTP. 3. Fill in personal and employment details. 4. Complete digital KYC using PAN and Aadhaar. 5. Submit the application and wait for instant eligibility check/approval. 6. Virtual card is issued instantly after approval; physical card is delivered later.
Value
Reward and cashback structure
Reward rate
1% digital gold on eligible spends; up to 5% gold rewards via Uni Store vouchers; up to 7% on flights through Uni Store
Cashback
Rewards are provided as 24K digital gold instead of direct cashback
Good fit
Pros
- No joining or annual fee
- Good rewards for UPI users
- Zero forex markup is excellent for travelers
- Unique gold rewards system
- Fully app-based management
Watchouts
Cons
- Rewards mostly optimized through Uni ecosystem
- No airport lounge benefits
- Limited premium travel perks
- Acceptance may depend on RuPay support in some international locations
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