Uni GoldX Credit Card
Fees
Lifetime Free
Joining & annual
Reward Rate
1% back as Uni Coins (redeemable as 24K digital gold or cashback) on all eligible card and UPI spends of ₹100+, uncapped; up to 8% back on vouchers and 7% on hotels via the Uni Store
Welcome Bonus
N/A
Lounge
Choose unlimited lounge access or 7% back on flights (via Uni)
Our Expert Take
The Uni GoldX Credit Card, issued by BOBCARD, is lifetime free and gives a flat 1% back as Uni Coins (redeemable as 24K digital gold) on card and UPI spends, with zero forex markup and higher value through the Uni Store.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
1% back as Uni Coins on card and UPI spends
No limit -
UPI spends
Only on payments of ₹100 or more
No rewards on: Money transfers, rent, fuel, cash, wallet loads, international transactions
Pros & Cons
Key Advantages
- Lifetime free with no spend conditions
- Zero forex markup on international spends
- Flat 1% back on almost everything, including UPI Scan & Pay with the RuPay card, with no cap
- Rewards can be taken as 24K digital gold or cashback, and don't expire
- Extra value through the Uni Store: up to 8% on vouchers, 7% on hotels, and 50% back on PVR INOX tickets
Limitations
- The base 1% is modest; the higher rates need you to buy through the Uni Store
- No rewards on international spends, despite the zero forex markup
- No rewards on fuel, rent, wallet loads, money transfers or cash
- UPI spends earn only on transactions of ₹100 or more
- High interest rate of 3.99% a month if you carry a balance
Key Perks & Spending Milestones
1% back as Uni Coins on eligible card and UPI spends, no cap
Up to 8% back on brand vouchers bought on the Uni Store
Unlimited 7% back on hotel bookings via the Uni Store
Pick complimentary airport lounge access for all travellers, or unlimited 7% back on air fares
50% back on PVR INOX tickets every month on card spends of ₹10,000 a month
Two cards: a GoldX card and a GoldX UPI RuPay card for UPI payments
1% fuel surcharge waiver, up to ₹500 per billing cycle
Zero forex markup
Fees & Charges
Joining fee
Lifetime Free
Annual fee
Lifetime Free
No joining, annual or renewal fee, and no minimum spend.
Interest rate
3.99% per month (47.88% per annum)
Late payment fee
- Up to ₹500
- Nil below ₹100; ₹100 for ₹100 to ₹500
- ₹501 to ₹1,000
- ₹400
- ₹1,001 to ₹5,000
- ₹750
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹950
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Eligibility Criteria
age
21 to 60 years
employment profiles
Salaried or self-employed
Credit score & income
Good (700+)
Frequently Asked Questions
Is the Uni GoldX Credit Card free?
Who issues the Uni GoldX Credit Card?
How much reward does Uni GoldX give?
Does Uni GoldX work on UPI?
What is the forex markup on Uni GoldX?
Compare Uni GoldX Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Uni GoldX Credit Card This Card | Lifetime Free | 1% back as Uni Coins (redeemable as 24K digital gold or cashback)... | Choose unlimited lounge access or 7% back on flights (via Uni) | 4.2/5 |
| Scapia Credit Card | Free | 20% Scapia Coins on Scapia app travel bookings (~4% return); 10%... | Unlimited Domestic (₹20K Monthly Spend) | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Jupiter Edge+ RuPay Credit Card | ₹499 + Taxes | 10% cashback on online shopping (up to ₹2,000/month, ₹600/merchant... | 1 Domestic/Qtr (₹90K Spend) | 4.5/5 |