Uni Gold X Credit Card

Features and Benefits of the Uni Gold X Credit Card

Below is an overview of the key features and benefits:

1% Gold Rewards:

With every spend on your Uni Gold X Credit Card, you earn 1% of the transaction value back in 24-karat digital gold. This applies not only to standard card payments but also to eligible UPI transactions. Over time, these micro-rewards can accumulate into a meaningful investment, offering a unique way to passively grow your gold holdings simply by spending on daily essentials or larger purchases.

Lifetime Free:

The Uni Gold X Credit Card comes with absolutely no joining fees or annual maintenance charges. You won’t need to worry about hidden costs or ongoing expenses just to hold the card. This lifetime-free structure makes it a low-risk option for those seeking benefits without the burden of extra financial commitment.

Zero Forex Markup:

International travellers and online shoppers will appreciate the absence of foreign exchange markup fees. Whether you book hotels abroad, shop on international websites, or pay for services in another currency, this card saves you the usual 2–3% markup that most credit cards add. This can lead to noticeable savings over time for frequent global transactions.

Instant Digital Approval:

The application process is completely digital and streamlined. You can apply online and, in most cases, receive approval within two minutes. You don't need to submit any physical paperwork, and the quick, convenient, hassle-free process suits digitally savvy users looking for a seamless experience.

Gold on UPI:

Uni Gold X stands out by offering gold rewards on UPI transactions, something few credit cards currently provide. This means even when you pay directly from your account via UPI using your Uni Gold X Card, you still earn 1% back in digital gold. It's a versatile reward system that extends beyond conventional card usage.

Up to 5X Rewards at Uni Store:

Cardholders can unlock enhanced rewards -up to 5 times the usual rate when they shop at the Uni Store. This platform offers curated deals and exclusive partner offers, and the elevated reward rate makes shopping here more lucrative. It is an added incentive for users looking to maximise their benefits on select purchases.

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: You must be at least 18 years old.
2. Income: A stable source of income is required to demonstrate repayment ability.  
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. The app is user-friendly and allows you to complete the entire application from your phone.

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’ll 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: The gold you earn doesn’t just sit idle. It holds the potential to grow in value over time. Since it’s linked to market prices of 24K gold, your rewards could appreciate naturally as gold prices rise, offering a unique blend of spending convenience and long-term value creation.  
3. Convert Anytime: Flexibility is key. The digital gold you collect can be converted into physical gold or encashed whenever you choose. This makes your rewards tangible and useful and not just numbers on a screen. Whether you want to redeem it for jewellery, stash it as an investment, or cash out when needed, the choice is always in your hands.

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