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
Early adopters say the virtual card is issued almost instantly, with physical cards delivered in 3–5 days.
Some users have reported bugs in the app (limit resets, occasional reward delays), but Uni says fixes are rolling out.
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.