The essentials at a glance
- Annual fee
- Annual Fees: Nil
- Best known for
- Enjoy a Lifetime-free credit card with no renewal fees
- Issuer & network
- Uni · RuPay
- Eligibility snapshot
- Age: 25 to 50 years
Verify live fees, reward caps and eligibility with the issuer before applying.
What does the Uni GoldX Credit Card offer?
Uni GoldX Credit Card offers Enjoy a Lifetime-free credit card with no renewal fees.
- Enjoy a Lifetime-free credit card with no renewal fees
- Earn rewards as real 24K Digital Gold on eligible online & offline spends. Rewards are credited as Uni Coins, which can be converted into Digital Gold or redeemed for physical gold coins via the Uni platform
- Get accelerated rewards of up to 8% on brand vouchers purchased via Uni Store across popular brands like Amazon, Myntra, Zomato, Blinkit, MakeMyTrip, Swiggy, Cleartrip & more
- Enjoy zero forex markup on eligible international transactions across 180+ countries, making overseas spends more rewarding
- Earn unlimited 7% back on domestic & international flight bookings made through Uni Store with no reward capping or minimum spend requirement
- Unlimited 7% back on hotel bookings made through Uni’s partnered travel platform
- Enjoy 50% back on PVR & INOX movie ticket bookings once every month through Uni Store (capped at Up to Rs 250/month, valid on 10k spend in a month)
- Flat 1% back on eligible UPI Scan & Pay transactions using the RuPay variant linked to supported UPI apps
- Get 1% fuel surcharge waiver on eligible fuel spends across India for transactions between Rs 400 - Rs 5,000, with a maximum waiver of Rs 500 per statement cycle
What are the fees and charges?
The currently listed fee information is shown below. Fee waivers and taxes may depend on spending or issuer conditions.
Joining FeesNil
Annual FeesNil
Who may be eligible for this card?
Eligibility is determined by the issuer and approval is not guaranteed. These are the available eligibility indicators for this offer.
- Age25 to 50 years
- EmploymentBoth salaried and self-employed individuals
- Salaried IncomeRs 25,000/monthly
- Self EmployedITR > Rs 7,50,000/annum
- Credit Score700+
Which documents may be required?
Document requirements can vary after the issuer checks your employment, address and application profile.
- ID ProofPAN Card/Form 60
- Address ProofAadhaar, Passport, or utility bills
- Income ProofBank statements or Salary slips
What should you check before applying?
Confirm the live issuer terms, especially reward exclusions, monthly or quarterly caps, milestone spending and fee-waiver requirements.
- Please use Aadhaar linked mobile number to fill the application
This page summarizes available offer information for easier comparison. It is not financial advice or an approval guarantee. Product terms can change, so verify the final details shown by the issuer during application.
