Uni Gold X Credit Card

Below is an overview of the key features and benefits: 

1% Gold Rewards: 

1. On spending Rs.100, you will get 100 Uni coins. 

1. It can be converted to 24-karat DigiGold anytime at Uni store. 

1. The gold price at the time of conversion will be applicable. 

1. Rewards will be offered only to eligible categories.

Lifetime Free: 

The Uni Gold X credit card comes at zero joining and renewal fees with instant approval. 

Zero Forex Markup: 

The card offers zero forex markup on all international transactions made using this credit card. 

Instant Digital Approval: 

You can apply for Uni Gold X credit card instantly as it ensures 100% paperless processing and instant digital approval. 

Gold on UPI: 

Customers will soon be able to earn 24-karat gold on UPI transactions. 

Up to 5X Rewards at Uni Store: 

The Uni Gold X credit card offers 5X rewards on shopping from popular brands, such as Amazon, Flipkart, Myntra, and Zomato, via Uni store. 

Eligibility Criteria for Uni Gold X Credit Card

To be eligible for the Uni Gold X Credit Card, applicants must meet a few essential conditions:

1. Age: Applicant must be between 21 to 60 years of age.
2. Income: A stable source of income is required to demonstrate repayment ability (either salaried or self-employed).  
3. Documentation: Valid identity and address proof must be provided.
4. Creditworthiness: A good credit score will significantly improve your chances of approval

Fees & Charges for Uni Gold X Credit Card

The following are the charges associated with Uni Gold X credit card:

How to Apply for Uni Gold X Credit Card

You can apply for the Uni Gold X Credit Card through a simple, fully digital process that takes just a few minutes to complete. Here is a detailed breakdown of each step:

Visit the Website or Download the App:

Start by heading to the official Uni Cards website or downloading the Uni Cards mobile application from the Google Play Store or Apple App Store. 

Enter Your Mobile Number:

To begin the application, enter your active mobile number. We use this number for OTP-based verification and future communication. Ensure that your number is linked to your Aadhaar and financial documents, if possible.

Provide Personal and Financial Information:

After verifying your number, the system prompts you to fill out a form with your personal details (like name, date of birth, and address) and financial information (such as monthly income, employment type, and PAN card number). This helps Uni assess your eligibility and customise offers if available.

Upload Required Documents:

Next, you will need to upload digital copies of identity and address proof documents such as your PAN card and Aadhaar card or another accepted ID. The process is paperless, and uploading takes only a few seconds if you have the files ready.

Wait for Instant Approval:

After you submit your information, Uni’s system quickly reviews your application. If you meet the eligibility criteria, it instantly approves your credit card. There is no need for in-person verification or lengthy processing delays.

Access Your Virtual Card Immediately:

Upon approval, your virtual Uni Gold X Credit Card will be issued and available within the app. You can use it immediately for online purchases, UPI transactions, or subscriptions even before the physical card arrives.

Physical Card Delivered to Your Address:

Your physical Gold X Credit Card will be dispatched to your registered address soon after approval. You will receive tracking information via SMS or app notifications.

How the Gold Rewards Work

Follow the steps below to understand how the Gold Rewards work:

1. Start Earning: Every time you make a purchase using the Uni Gold X Credit Card, you earn 1% of the transaction value back in 24-karat digital gold. This applies to both standard credit card transactions and eligible UPI payments. Whether it’s groceries, fuel, online shopping, or utility bills, your everyday spending becomes a way to passively accumulate real gold.
2. Grow Without Limits: As it is linked to the market price of 24-karat gold, the gold reward appreciates in value over time. 
3. Convert Anytime: Offers flexibility to convert your DigiGold into either hard cash or physical gold anytime as per your convenience. 

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>