Uni: GoldX & UPI Credit Card Android
Uni: GoldX & UPI Credit Card is #138 in Finance Free on Google Play in India and charting in 1 of 15 countries we track.
Updated 27 Sep 2026 · rankings refresh through the day
DeveloperUni Cards
CategoryFinance
PriceFree
Released–
Installs10M+
Rating★ 4.5 (194k)
Updated–
Content ratingEveryone
Rating
4.5 ★
194k ratings
Measured
Best rank now
#138
🇮🇳 Finance Free
Measured
Uni: GoldX & UPI Credit Card downloads
Worldwide, per day, and installs to date. The band is open; the exact number is free with an account.
How this is calculated
Google Play shows an exact lifetime install count; downloads per day are its daily change (measured). When Play hasn't refreshed the count, they come from new ratings and Top Free chart positions. Confidence is the chance the real number is within half to double ours.
Where Uni: GoldX & UPI Credit Card's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks on Google Play
Every top 200 chart it appears in across 15 countries.
| Country | Charts | Rank |
|---|---|---|
| 🇮🇳 India | FinanceFree | #138 |
Apps near Uni: GoldX & UPI Credit Card on the chart
🇮🇳 Finance Free, around #138.
Taplend: Personal Loan App#133
Here by HDFC ERGO#134
Instant Personal Loan : InCred#135
HDB OnTheGo: Personal Loan App#136
INDmoney: Stocks, Mutual Funds#137
Rupeeontime – Instant Loan#139
Paytm Money Stocks, MF, IPO#140
Zerodha Kite - Trade & Invest#141
LogicLoan - Credit Assistant#142
CheQ: Credit Bill Payments#143
Ratings
Google Play, worldwide.
Rating
4.5 ★
194k ratings
Measured
Ratings
194k
Measured
Written reviews
9
Measured
Uni: GoldX & UPI Credit Card app details
App ID
cards.uni.app.credit
Publisher
Uni Cards
Publisher country
–
Content rating
Everyone
About Uni: GoldX & UPI Credit Card
Introducing ⚜️GoldX - India’s first Gold-back credit card.
Time to ditch confusing points and short-lived cashback. With GoldX, your everyday spends turn into 24K Digital Gold - a reward that lasts.
This is a revolution in credit card rewards - far simpler, richer, and built around real value.
Brought to you in partnership with Yes Bank & Bank of Baroda.
✨Why Gold as rewards?
✅It work as an investment
✅It appreciate in value over time
✅It never expires, unlike other rewards
✨Where does GoldX reward you:
✈️Flights
Unlimited 7% back on all flight bookings via Uni Store. No minimum spend. No capping.
🛒Shopping, Groceries, Food
5% back on Amazon, Flipkart, Myntra, Zomato, Swiggy, BigBasket, Nykaa, TataCliQ via vouchers on Uni Store.
+
Up to 8% back on many more popular merchants.
📱UPI
Unlimited 1% back on scan & pay
💳Online/offline spends
Unlimited 1% back, including insurance & jewellery
🌎Zero Forex Fee
Use GoldX in 180+ countries with zero additional fee.
🙌🏼100% Lifetime Free
Zero joining fee. Zero Annual Fee
✅How GoldX rewards work:
▶️You earn Uni Coins on spends where 100 Uni Coins = ₹1
▶️For example, book flights worth ₹1 Lakh, you will get 700,000 Uni Coins. Which is value back of ₹7000.
▶️Convert Uni Coins to 24K Digital Gold instantly inside the Uni app.
▶️Your GoldX Vault shows both grams and ₹ value, so you always know how much real value you’ve built.
▶️Convert this Gold to cash of equal value or mint into a physical gold coin with ZERO making charges.
⚠️Reward Exclusions
Money transfers, rent, fuel, cash withdrawals, wallet loads, international txns, EMI, Utilities & Govt services. There are no rewards on forex transactions.
✅How does GoldX on UPI work?
GoldX is a dual-network card. You get a primary VISA or MASTERCARD variant.
Along with that, users can request to issue a complementary RuPay variant from the Uni app. This is a virtual card and can be added to any UPI app - GooglePay, PhonePe, Paytm etc.
✅Is it safe & secure?
🔒24K Digital Gold in the Uni app is backed & secured by Augmont, one of India’s most trusted gold platforms.
🔒Stay in control: View & copy your card details from the Uni app
🔒Manage & set its transaction limits
🔒Lock your physical card anytime
🔒Reset your card PIN
✅How to get started:
▶️Install the Uni app and check your eligibility for GoldX.
▶️Complete KYC digitally
▶️Once approved, activate your GoldX card (and your RuPay virtual companion for UPI).
▶️Spend, earn, convert - watch your 24K Gold grow.
—-------------------------
Uni Loans
Travel, home renovation or a bigger expense?
⭐️Get up to ₹6 Lakhs in loan amount
✅Flexible EMI options
📁Close your loan early with ZERO fee
🧑🏻💻Paperless onboarding
📞24x7 Support
☑️Start in just 3 minutes.
Example of How Uni Personal Loan works:
Loan Amount = ₹51,000 | Disbursed = ₹50,000
Tenure = 36 months | Interest = 18% p.a |Fee = ₹1000
APR* = 19.43% | EMI = ₹1844
Total Interest Payable = ₹15,384
Total Amount Payable = ₹66,384
*Note: Numbers are for
Time to ditch confusing points and short-lived cashback. With GoldX, your everyday spends turn into 24K Digital Gold - a reward that lasts.
This is a revolution in credit card rewards - far simpler, richer, and built around real value.
Brought to you in partnership with Yes Bank & Bank of Baroda.
✨Why Gold as rewards?
✅It work as an investment
✅It appreciate in value over time
✅It never expires, unlike other rewards
✨Where does GoldX reward you:
✈️Flights
Unlimited 7% back on all flight bookings via Uni Store. No minimum spend. No capping.
🛒Shopping, Groceries, Food
5% back on Amazon, Flipkart, Myntra, Zomato, Swiggy, BigBasket, Nykaa, TataCliQ via vouchers on Uni Store.
+
Up to 8% back on many more popular merchants.
📱UPI
Unlimited 1% back on scan & pay
💳Online/offline spends
Unlimited 1% back, including insurance & jewellery
🌎Zero Forex Fee
Use GoldX in 180+ countries with zero additional fee.
🙌🏼100% Lifetime Free
Zero joining fee. Zero Annual Fee
✅How GoldX rewards work:
▶️You earn Uni Coins on spends where 100 Uni Coins = ₹1
▶️For example, book flights worth ₹1 Lakh, you will get 700,000 Uni Coins. Which is value back of ₹7000.
▶️Convert Uni Coins to 24K Digital Gold instantly inside the Uni app.
▶️Your GoldX Vault shows both grams and ₹ value, so you always know how much real value you’ve built.
▶️Convert this Gold to cash of equal value or mint into a physical gold coin with ZERO making charges.
⚠️Reward Exclusions
Money transfers, rent, fuel, cash withdrawals, wallet loads, international txns, EMI, Utilities & Govt services. There are no rewards on forex transactions.
✅How does GoldX on UPI work?
GoldX is a dual-network card. You get a primary VISA or MASTERCARD variant.
Along with that, users can request to issue a complementary RuPay variant from the Uni app. This is a virtual card and can be added to any UPI app - GooglePay, PhonePe, Paytm etc.
✅Is it safe & secure?
🔒24K Digital Gold in the Uni app is backed & secured by Augmont, one of India’s most trusted gold platforms.
🔒Stay in control: View & copy your card details from the Uni app
🔒Manage & set its transaction limits
🔒Lock your physical card anytime
🔒Reset your card PIN
✅How to get started:
▶️Install the Uni app and check your eligibility for GoldX.
▶️Complete KYC digitally
▶️Once approved, activate your GoldX card (and your RuPay virtual companion for UPI).
▶️Spend, earn, convert - watch your 24K Gold grow.
—-------------------------
Uni Loans
Travel, home renovation or a bigger expense?
⭐️Get up to ₹6 Lakhs in loan amount
✅Flexible EMI options
📁Close your loan early with ZERO fee
🧑🏻💻Paperless onboarding
📞24x7 Support
☑️Start in just 3 minutes.
Example of How Uni Personal Loan works:
Loan Amount = ₹51,000 | Disbursed = ₹50,000
Tenure = 36 months | Interest = 18% p.a |Fee = ₹1000
APR* = 19.43% | EMI = ₹1844
Total Interest Payable = ₹15,384
Total Amount Payable = ₹66,384
*Note: Numbers are for