Uni GoldX Credit Card

The Uni GoldX Credit Card is India's first gold-back credit card, co-branded with Yes Bank and Bank of Baroda. Unlike traditional cards that offer confusing points or short-lived cashback, GoldX rewards every eligible spend with real 24K digital gold — a tangible asset that appreciates in value over time and never expires. The card is completely lifetime free with zero joining fees, zero annual charges, and zero forex markup.

Numbered Benefits List

1. 1% gold back on every transaction — Earn 24K digital gold on all eligible card and UPI payments. No minimum spend, no reward cap. Applies to online, offline, and scan-and-pay transactions.
2. Up to 7% gold back on flights — Book any domestic or international flight through the Uni Store and earn unlimited 7% back as digital gold with no capping and no minimum spend requirement.
3. 5–8% gold back on top brand vouchers — Shop vouchers from Amazon, Flipkart, Myntra, Zomato, Swiggy, BigBasket, Nykaa, MakeMyTrip, and 200+ brands on the Uni Store and earn accelerated gold rewards.
4. 10% back on hotel stays — Earn 10% gold back on hotel bookings made through the Uni Store (post check-in).
5. Zero forex markup — Use your GoldX card in 180+ countries with absolutely no additional foreign exchange charges. Save 3–3.5% compared to standard credit cards on international transactions.
6. 1% fuel surcharge waiver — Get the fuel surcharge refunded to your card statement on every petrol pump transaction across India.
7. Up to 50% off on movies — Enjoy discounts on PVR and INOX movie tickets booked through the Uni app.
8. Gold that grows — Your digital gold reward is linked to the live market price of 24K gold and appreciates over time. Unlike points or cashback, it never expires.
9. Convert anytime — Redeem your accumulated digital gold as cash credited to your bank account or convert it into a physical gold coin — anytime, at your convenience.
10. UPI-enabled with RuPay variant — Link your RuPay virtual companion card to any UPI app and earn 1% gold back on scan-and-pay transactions.
11. Fully digital experience — Apply in minutes, complete video KYC digitally, view and copy card details from the app, set transaction limits, lock your physical card, and reset your PIN — all from the Uni app.
12. Lifetime free — no conditions — No joining fee, no annual fee, no minimum spend requirement to maintain the free status. It's free for life, unconditionally.

Your GoldX Credit Card also gives you

1. Unlimited 7% back on all flights via Uni StoreBook any domestic or international flight through the Uni Store and earn 7% back as 24K digital gold. No minimum booking value, no capping on rewards.
2. 5–8% gold back on 200+ brand vouchersPurchase vouchers from Amazon, Flipkart, Swiggy, Zomato, Myntra, BigBasket, Nykaa, TataCliQ, MakeMyTrip, and more on the Uni Store.
3. 10% back on hotel bookingsEarn 10% gold back on hotel stays booked through the Uni Store, credited post check-in.
4. Up to 50% off on PVR INOX movie ticketsBook movie tickets through the Uni app and enjoy up to 50% discount.
5. Zero forex markup across 180+ countriesShop internationally — online or in-store — without paying any additional foreign exchange fees. Ideal for travel, global subscriptions, and overseas shopping.
6. 1% fuel surcharge waiverSave on every fuel fill-up at petrol pumps across India. The surcharge is automatically reversed to your card statement.

What documents do I need to apply?

No physical documents are required for the initial eligibility check. Simply enter your PAN number during the digital application process on the Uni app or website. Post-approval, a quick video KYC is completed digitally. The entire process takes just a few minutes.

Fees and Charges

The Uni GoldX Credit Card is completely lifetime free — there is no joining fee and no annual fee, with no conditions or minimum spend requirements to maintain the free status.