Uni Gold X Credit Card: A New Era of Rewards in Real 24K Gold 🪙

Launched in February 2025 , Uni’s revamped credit product — Gold X — is making waves for being India’s first credit card that gives real digital gold as a reward on every spend.

What Makes It Stand Out?

  • 1% real 24K gold on all eligible transactions
  • Up to 5% gold-back on voucher purchases from Uni Store (Amazon, Myntra, Zomato, etc.)
  • Zero Forex Markup on international transactions
  • RuPay Credit + UPI support: Use your credit card for QR payments and earn gold
  • Fuel surcharge waiver of 1% across petrol pumps
  • Lifetime Free — no joining or renewal fee, ever

Who’s Behind It?

  • Issued by: Yes Bank or BOBCARD
  • Powered by: RuPay Network
  • Official rollout: Feb 2025 (soft launch), expanded by June 2025

Real-World Performance

:receipt: Early adopters say the virtual card is issued almost instantly, with physical cards delivered in 3–5 days.

:chart_decreasing: Some users have reported bugs in the app (limit resets, occasional reward delays), but Uni says fixes are rolling out.

:chart_increasing: Rewards in digital gold can be tracked live in the app and sold/redeemed when prices suit you.

Things to Watch

  • Uni claims 1% gold-back, but high reward rates (like 5%) are limited to voucher partners only.
  • Multiple CIBIL hits during onboarding have been flagged by users — if you’re credit-conscious, be alert.
  • While forex charges are waived, gold-back may not apply to wallet loads or rent payments.

Final Take

If you’re looking for a lifetime-free, innovative rewards card, Uni Gold X is genuinely different. It isn’t perfect — bugs and support hiccups exist — but for casual users and fintech-savvy spenders, this is a strong alternative to traditional cashback models.