Uni GoldX Credit Card — India’s First 24K Gold Reward Card | Full Review 2026

⚜️ India’s First 24K Gold Reward Credit Card

Uni GoldX Credit Card

Every rupee you spend turns into real 24K digital gold. No points that expire. No confusing cashback. Just pure gold — that grows in value over time.

🏅 Lifetime FREE 🌏 Zero Forex Fees ✈️ 7% on Flights 📱 UPI Enabled 🏦 YES Bank + BOBCARD ⚡ Instant Approval

Updated: April 2026 | Issued by YES Bank & Bank of Baroda (BOBCARD) in partnership with Uni Cards

🎬 Uni GoldX — Official Card Video

📋 Table of Contents

🪙 Card Overview 🎨 Card Variants 💰 Reward Structure ⚙️ How Rewards Work ✨ Key Features 💸 Fees & Charges ✅ Eligibility 🚫 Reward Exclusions 🔒 Security 📲 How to Apply ❓ FAQs ⚠️ Disclaimer

🪙 What Is the Uni GoldX Credit Card?

Uni GoldX is India’s first credit card that rewards every eligible transaction with real 24K digital gold — not points, not cashback, but actual gold that appreciates in value and never expires. It is a lifetime-free co-branded credit card issued jointly by YES Bank and Bank of Baroda (BOBCARD) in partnership with Uni Cards (Uniorbit Platform Services Pvt. Ltd.).

⚜️

Key Concept: Why Gold Instead of Points? Traditional credit card reward points expire, lose value, and are often confusing to redeem. Gold, on the other hand, is a real asset that holds and appreciates in value over time. With Uni GoldX, your spending builds a real gold portfolio — backed and secured by Augmont, one of India’s most trusted digital gold platforms.

🏦 Issued By

YES Bank (Mastercard variant)
Bank of Baroda — BOBCARD (Visa + RuPay variants)
Technology & rewards by Uni Cards
Gold platform: Augmont
NBFC registered, RBI compliant

🌐 Card Networks Available

Visa Platinum (primary)
Mastercard (YES Bank variant)
RuPay (dual-network virtual card for UPI)
Accepted in 180+ countries worldwide
UPI-enabled via any UPI app

⭐ At a Glance

Joining fee: ₹0 (Lifetime FREE)
Annual fee: ₹0 (Lifetime FREE)
Gold rewards: Never expire
Forex markup: Zero
Card format: Physical + Virtual
Application: 100% digital / paperless

👥 Who Is It For?

Tech-savvy shoppers & young professionals
Frequent online shoppers (Flipkart, Amazon, Myntra)
International travellers (zero forex fee)
Gold investors who want passive accumulation
UPI users who want rewards on scan & pay
Anyone wanting a zero-fee credit card

🎨 Card Variants & Designs

Uni GoldX comes in multiple issuing variants depending on your banking partner. Each variant features the iconic teal-yellow stripe design. The NX Wave (earlier product) has now been replaced by GoldX.

BOBCARD Uni GoldX Credit Card — Black Edition

BOBCARD Variant

BOBCARD Uni GoldX — Black

Issued by Bank of Baroda’s credit card arm (BOBCARD). Features the matte black design with teal & yellow stripe. Visa network. Includes 1% fuel surcharge waiver at petrol pumps across India.

YES Bank Uni GoldX Credit Card — Teal Mastercard

YES Bank Variant

YES Bank Uni GoldX — Teal

Issued by YES Bank. Mastercard network. Features teal body with the signature yellow stripe. Note: Not applicable if you already hold an existing YES Bank credit card.

Visa Platinum

Uni GoldX — Visa Platinum Silver

The Visa Platinum variant of the Uni GoldX. Sleek silver-white design with contactless (NFC) tap-to-pay. Available with zero joining and annual fees.

🎨 Available Card Colour Options

🟡 Gold ⬛ Black 🟩 Teal/Green 🔵 Blue ⬜ Grey/Silver 🟠 Orange

* Colour availability may vary by issuing bank (YES Bank or BOBCARD) and is subject to change at Uni’s discretion.

💰 Complete Reward Structure

All rewards are earned as 24K Digital Gold via Uni Coins (100 Uni Coins = ₹1). No reward expiry. No complex points catalogues.

✈️ Flight Bookings

Via Uni Store · Unlimited · No cap · No minimum spend

Up to 8%

🛍️ Uni Store Partners

Select merchants on Uni Store — up to 8% gold back

🛒 Uni Store Vouchers

Amazon, Flipkart, Myntra, Zomato, Swiggy, BigBasket, Nykaa, TataCliQ

💳 All Other Spends

Online + offline + UPI scan & pay · Insurance · Jewellery · Unlimited

Spend Category	Gold Reward Rate	Cap	Platform
Flight Bookings	7% (700 Uni Coins/₹100)	No Cap ✅	Uni Store
Uni Store Select Vouchers	Up to 8%	Merchant-specific	Uni Store
Amazon, Flipkart, Myntra	5% (via vouchers)	No Cap ✅	Uni Store
Zomato, Swiggy, BigBasket	5% (via vouchers)	No Cap ✅	Uni Store
Nykaa, TataCliQ	5% (via vouchers)	No Cap ✅	Uni Store
UPI Scan & Pay	1% (unlimited)	No Cap ✅	Any UPI app
Online Purchases (all merchants)	1% (unlimited)	No Cap ✅	All platforms
Offline / POS Spends	1% (unlimited)	No Cap ✅	All stores
Insurance Payments	1%	No Cap ✅	All
Jewellery Purchases	1%	No Cap ✅	All
Fuel (BOBCARD variant)	Fuel surcharge waiver	1% waiver	All petrol pumps
International Transactions	No gold reward	—	Zero forex markup applies

⚜️

Gold Backed by Augmont All 24K Digital Gold earned through Uni GoldX is backed and secured by Augmont — one of India’s most trusted gold platforms. You can view your gold balance in grams and ₹ value in real time inside the Uni app. Gold earned never expires and can appreciate in value unlike traditional points.

⚙️ How the Gold Reward System Works

1

💳 Spend on Your Uni GoldX Card

Make any eligible purchase online, offline, or via UPI using your Uni GoldX credit card or linked RuPay virtual card.
2

🪙 Earn Uni Coins Instantly

Uni Coins are credited to your account automatically. 100 Uni Coins = ₹1 in value. For example: ₹10,000 flight booking on Uni Store = 70,000 Uni Coins = ₹700 worth of gold.
3

🥇 Convert Coins to 24K Digital Gold

Open the Uni app → tap Convert → your Uni Coins are instantly converted to 24K digital gold at the current live gold market price. You can see your gold balance in both grams and ₹ value.
4

📈 Your Gold Vault Grows Over Time

Unlike points that expire, your gold accumulates and can appreciate in value. Your GoldX Vault in the app shows real-time gold value — both in grams and current ₹ worth.
5

💵 Redeem: Cash, Physical Gold, or Hold

Option A — Sell for Cash: Convert your digital gold to cash at current market price — credited directly to your linked bank account.
Option B — Physical Gold: Mint your digital gold into a physical gold coin with ZERO making charges (subject to minimum quantity).
Option C — Hold: Keep your gold and let it appreciate further.

📱

Real Example: Book flights worth ₹1,00,000 via Uni Store → Earn 7,00,000 Uni Coins → Convert to 24K Digital Gold worth ₹7,000 → That gold value can increase further as gold prices rise. No expiry. No redemption headache.

✨ Key Features & Benefits

🏅 Lifetime FREE

Zero joining fee (₹0)
Zero annual/renewal fee (₹0)
No minimum spend required to keep free
No hidden maintenance charges

🌏 Zero Forex Markup

Use in 180+ countries worldwide
No additional charges on international transactions
Ideal for international travel & online purchases in foreign currency
Note: No gold rewards on international spends

📱 Gold on UPI

Dual-network card: Primary Visa/Mastercard + RuPay virtual card
RuPay virtual card links to Google Pay, PhonePe, Paytm
Earn 1% gold on every UPI Scan & Pay transaction
Unlimited — no cap on UPI rewards

⚡ Instant Digital Approval

100% paperless application process
KYC completed digitally via app
No branch visit required
Card delivered or virtual card activated instantly post-approval

🛒 Uni Store Access

In-app marketplace for vouchers from top brands
5% gold on Amazon, Flipkart, Myntra, Zomato, Swiggy, BigBasket, Nykaa, TataCliQ
Up to 8% gold on select Uni Store merchants
7% gold on all flight bookings via Uni Store

⛽ Fuel Surcharge Waiver (BOBCARD)

1% fuel surcharge waiver at all petrol pumps across India
Applicable on BOBCARD Uni GoldX variant
Note: Fuel spends do not earn gold rewards

🔒 App-Based Card Control

View & copy full card details from Uni app
Set/change transaction limits instantly
Lock/unlock physical card anytime
Reset card PIN from app

💳 EMI & Loan Options

Uni Loans: Up to ₹6 lakh personal loans
Flexible EMI options available
Zero pre-closure fee on Uni loans
Paperless loan onboarding in ~3 minutes

💸 Fees & Charges

Charge Type	Amount	Notes
Joining Fee	₹0 — Nil	Lifetime free, no joining cost
Annual / Renewal Fee	₹0 — Nil	Lifetime free, no annual charge
Foreign Currency Markup	0% — Zero	Use in 180+ countries at no extra charge
Fuel Surcharge Waiver	1% waiver (BOBCARD variant)	Applicable at all petrol pumps in India
Finance Charges (Revolving Credit)	3.99% per month (47.88% p.a.)	Applied only if you do not pay full amount due
Cash Advance / ATM Withdrawal	As per issuing bank (YES Bank / BOBCARD)	Cash withdrawal not recommended; check bank schedule
Late Payment Fee	As per issuing bank terms	Avoid by paying full amount before due date
Over Limit Fee	As per issuing bank terms	Avoid exceeding your credit limit
Add-on Card	Subject to issuing bank policy	Check with YES Bank or BOBCARD
Gold Coin Minting	₹0 Making Charges	Zero making charges (subject to minimum gold quantity)
Digital Gold Conversion	₹0	Convert Uni Coins to gold instantly at no extra fee
Gold Cash-out	Market price at time of sale	Sell digital gold for cash to bank account anytime

⚠️

Finance Charges Warning The revolving credit interest rate is 3.99% per month (47.88% annually). Always pay your full statement balance before the due date to avoid interest charges. The lifetime-free benefit applies only to membership fees — interest on revolving credit is a standard charge.

✅ Eligibility & Documents Required

👤 Basic Eligibility

Age: 21 to 60 years
Employment: Salaried or self-employed
Min. Salary: ₹25,000/month (salaried)
Min. ITR: ₹7.5 lakhs+ per year (self-employed)
Nationality: Indian resident
CIBIL Score: Typically 750+ recommended

📄 Documents Required

PAN Card (mandatory)
Aadhaar Card for KYC verification
Recent salary slips / bank statements (salaried)
Latest ITR copy (self-employed)
All KYC done digitally via Uni app — no physical submission

⚠️ Important Restrictions

Cannot apply if you already hold an existing YES Bank credit card
Not available for NRIs (Indian residents only)
Subject to credit assessment and final approval
Approval rate is selective — CIBIL 750+ strongly preferred
Applications may go on hold if credit profile is borderline

📊 Approval Reality Check

Approval process is selective and strict
Estimated approval chances: 20–40% based on user reports
A CIBIL score of 750+ significantly improves approval odds
Stable income history is critical
New-to-credit (NTC) applicants may be considered on other criteria

💡

Tip Before Applying: Check your CIBIL score for free before applying. A score below 700 significantly reduces approval chances. If your application goes on hold, wait 3–6 months, improve your score, and re-apply. Multiple applications in a short period can further hurt your credit score.

🚫 Reward Exclusions — What Does NOT Earn Gold

The following transaction categories are explicitly excluded from gold rewards. These are standard exclusions as per the official Uni Cards terms & conditions:

💸 Money Transfers 🏠 Rent Payments ⛽ Fuel Purchases 🏧 Cash Withdrawals 👛 Wallet Loads 🌐 International Transactions 📊 EMI Transactions 🏛️ Government Services ⚡ Utility Bill Payments 💳 Card Fee Payments 🔄 Balance Transfers 📞 Telecom (select cases)

⚠️

Forex Transactions: Even though Uni GoldX has zero forex markup on international purchases, there are NO gold rewards earned on international (forex) transactions. Zero forex fee applies, but the reward exclusion applies too.

🔒 Security Features

🔐 Card Security

EMV chip on physical card
Contactless / NFC tap-to-pay
Set & reset card PIN via Uni app
Lock/unlock card instantly from app
View card number securely in-app (not printed on card)

🪙 Gold Security

24K Digital Gold backed by Augmont
Augmont is one of India’s most trusted gold platforms
Gold stored in insured, secure vaults
Balance visible in real-time (grams + ₹ value)
Instant conversion to cash or physical gold

📱 App Security

Manage transaction limits from app
Real-time spend notifications
Instant card freeze for suspected fraud
Secure digital KYC with Aadhaar verification
24×7 in-app customer support

📲 How to Apply for Uni GoldX

1

Download the Uni App

Available on Google Play Store (Android) and Apple App Store (iOS). Search “Uni Cards” or “Uni GoldX”.
2

Check Your Eligibility

Enter your mobile number and basic details. The app will instantly check your eligibility based on your credit profile.
3

Complete Digital KYC

Upload your PAN and Aadhaar. Complete video or digital KYC — 100% paperless, no branch visit needed.
4

Get Instant Approval

If approved, you’ll get an instant confirmation. Your virtual card is activated immediately for online purchases and UPI payments.
5

Activate RuPay Card for UPI

From the Uni app, request your complementary RuPay virtual card. Link it to Google Pay, PhonePe, or Paytm to earn 1% gold on UPI Scan & Pay.
6

Start Spending, Earning Gold

Physical card delivered within 7–10 working days. Start spending and watch your 24K gold vault grow!

🌐

Apply at: uni.cards or through the Uni Cards app · Also available via YES Bank website & BOBCARD website

❓ Frequently Asked Questions

Is the Uni GoldX Credit Card really lifetime free?

Yes. The Uni GoldX Credit Card has zero joining fee and zero annual/renewal fee — forever. There is no minimum spend requirement to keep it free. However, if you use revolving credit (i.e., don’t pay the full statement balance), finance charges of 3.99% per month apply. The “free” refers only to membership fees, not interest on outstanding balances.

Does the 24K digital gold actually have real value?

Yes. The digital gold earned through Uni GoldX is real 24K gold backed and secured by Augmont, one of India’s most trusted gold platforms. You can see your gold balance in grams and current ₹ value inside the Uni app. You can sell it for cash at live market price, or mint it into a physical gold coin with zero making charges (subject to minimum gold quantity).

Do the Uni Coins / Gold rewards expire?

No. Unlike traditional credit card reward points that expire, Uni Coins and the 24K digital gold earned through the Uni GoldX card do not expire. You can convert Uni Coins to gold anytime at your convenience, and hold the gold as long as you want.

What CIBIL score is needed for Uni GoldX?

A CIBIL score of 750 or above is generally recommended for a higher chance of approval. Some new-to-credit (NTC) applicants may be considered based on other criteria. The approval process is selective — user reports suggest approval chances of around 20–40%. A stable income, clean credit history, and no defaults significantly improve your odds.

Can I use Uni GoldX for UPI payments?

Yes. The GoldX is a dual-network card. Your primary card is on Visa or Mastercard. You can additionally request a complementary RuPay virtual card from the Uni app, which can be linked to Google Pay, PhonePe, or Paytm for UPI Scan & Pay payments. You earn 1% gold on UPI transactions through this RuPay card.

Is there a forex markup on international transactions?

No — there is zero forex markup on Uni GoldX. You can use the card in 180+ countries without any additional currency conversion charges. However, international transactions do NOT earn gold rewards — the reward exclusion applies to all forex (international) spends even though the markup is zero.

What is the difference between BOBCARD Uni GoldX and YES Bank Uni GoldX?

Both cards offer the same core benefits: lifetime free, 1% gold on all eligible spends, zero forex markup, and Uni Store rewards. The BOBCARD variant additionally includes a 1% fuel surcharge waiver at petrol pumps across India. The YES Bank variant runs on the Mastercard network, while the BOBCARD variant is on Visa. Note: Existing YES Bank credit card holders cannot apply for the YES Bank variant.

How do I redeem the digital gold earned?

You have three options: (1) Sell for Cash — sell your digital gold at the current market price and receive the equivalent amount in your linked bank account. (2) Physical Gold — mint your digital gold into a physical gold coin with zero making charges, subject to a minimum gold quantity. (3) Hold — keep your gold in the Uni GoldX Vault and let it potentially appreciate over time.

Can I apply for Uni GoldX if I already have a YES Bank card?

No. If you currently hold an existing YES Bank credit card, you are not eligible for the YES Bank variant of the Uni GoldX. However, you may still be eligible for the BOBCARD (Bank of Baroda) variant of the same card. Check your eligibility on the Uni app for the most current options available to you.

⚠️ Disclaimer

This blog is for informational and educational purposes only and does not constitute financial or investment advice.

All data about Uni GoldX features, rewards, fees, and eligibility has been sourced from the official Uni Cards website (uni.cards), BOBCARD website (bobcard.co.in), Google Play Store listing, Apple App Store listing, and verified financial research platforms as of April 2026.
Card features, reward rates, partner merchants, and eligibility criteria are subject to change by Uni Cards, YES Bank, and BOBCARD at any time without prior notice. Always verify current terms on the official websites before applying.
Approval of the Uni GoldX credit card is at the sole discretion of the issuing bank (YES Bank / BOBCARD). Meeting the stated eligibility criteria does not guarantee approval.
The 24K Digital Gold earned through this card is stored and managed by Augmont and is subject to Augmont’s terms and conditions. Digital gold involves market price risk — the value of gold can go up or down.
Finance charges (3.99% per month / 47.88% p.a.) apply on revolving credit balances. Always pay your full statement amount before the due date to avoid interest.
The approval rate estimate (20–40%) is based on publicly available user reports and community discussions — not officially confirmed by Uni Cards.
Card images shown in this blog are for illustrative purposes. Actual card designs and colour availability may vary.
For the most current and accurate information, always refer to uni.cards, bobcard.co.in, and yesbank.in.