Uni Cards Downloads & RevenueUni Cards · App Store & Google Play
Uni Cards by Unirewards Technologies Private Limited is on App Store and Google Play. Active Users (MAU & DAU), Downloads, rankings, keywords, revenue, and rating totals.
📦iOSUpdated to version 2.27.1📦iOSUpdated to version 2.26.1✏️iOSDescription updated✏️iOSNew screenshots🆕AndroidFirst spotted by AppInsider🆕iOSFirst spotted by AppInsider🆕iOSReleased on the App Store
Full timeline · 12 events
- 📦Uni Cards updated to version 2.27.1iOSBug fixes
- 📦Uni Cards updated to version 2.26.1iOSBug fixes
- ✏️Uni Cards: description updatediOS· IN
- 📦Uni Cards updated to version 2.25.3iOS- All-New Gold SIP Experience: Starting and tracking your daily or monthly digital gold investments is now smoother and more rewarding than ever.
- Fresh Home Screen: A clutter-free home layout to help you quickly access your favourite features and balance in fewer taps.
- Performance & Bug Fixes: Optimized app stability for a faster, glitch-free experience.… more - ✏️Uni Cards: new screenshotsiOS8 screenshots (was 4) · IN
- 📦Uni Cards updated to version 2.22.1iOSBug fixes
- 📦Uni Cards updated to version 2.20.1iOSBug fixes and improvements
- 📦Uni Cards updated to version 2.18.2iOSCelebrate Dhanteras with special festive experiences and offers.
We’ve also made several performance improvements, improved app stability, and enhanced overall navigation for a smoother experience. - 🆕Uni Cards first spotted by AppInsiderAndroidIndia
- 🆕Uni Cards first spotted by AppInsideriOS#48 in Top Free · Finance · India
- 📦Uni Cards version 2.12.4iOSBug fixes and improvements
- 🆕Uni Cards released on the App StoreiOS
Collected from the stores by AppInsider since we first spotted the app. Dates are when we saw each change.
Rating
4.5 ★
217k ratings, both stores
Measured
Best rank now
#57
App Store · 
Finance Free
Finance FreeMeasured
New ratings a week
12
steady vs the 2 weeks before
Measured
App Store
App details
App ID
1582949126
Publisher
Unirewards Technologies Private Limited
On the store since
Sep 2021
5 years on the store
Minimum OS
iOS 17.0+
iPhone XS and later
Devices
iPhone · iPad
Content rating
4+
Languages
1
EN
Size
126 MB
Google Play
App details
App ID
cards.uni.app.credit
Publisher
Uni Cards
Content rating
Everyone
Uni Cards downloads & installs
Both stores, worldwide. Bands are open; exact numbers are free with an account.
| Store | Downloads / day | Lifetime installs |
|---|---|---|
| App Store | – | – |
| Google Play | – | 10M+ Measured |
| Total | – | 10M+ Confidence |
How this is calculated
App Store: chart positions and rating growth per country, anchored on its own Android downloads; lifetime from ratings worldwide × installs per rating. Google Play: the daily change in its exact install count. The total adds every store.
Where Uni Cards'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
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
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 now
Both stores, across every country we track.
| Store | Best rank | Charting in | US Top Free | US Top Grossing |
|---|---|---|---|---|
| App Store | #57 Finance Free | 1 of 30 countries | – | – |
| Google Play | #150 Finance Free | 1 of 23 countries | – | – |
Full chart lists: App Store · Google Play.
Review momentum
ⓘ How we measure thisNew ratings a week
12
steady vs the 2 weeks before
Lifetime rating
4.6★
recent stars not readable yet: new ratings are a tiny share of the total
Review momentum
62/100
faster than 72% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
Ratings
Both stores. Store data, measured.
| Store | Rating | Ratings |
|---|---|---|
| App Store | 4.6 ★ | 22k |
| Google Play | 4.5 ★ | 194k 9 written reviews |
| Both stores | 4.5 ★ weighted by ratings | 217k |
About Uni Cards
Meet GoldX - the lifetime free credit card that turns spends into 24K Digital Gold.
- 7% BACK IN A TRAVEL CREDIT CARD
Get unlimited 7% back on flight & hotel bookings via Uni Store.
- LoungeTogether:
LOUNGE ACCESS FOR EVERY TRAVELLER
Booking a flight at Uni Store? Your GoldX lounge access credit card benefits include:
7% back on your booking
OR
LoungeTogether - complimentary lounge access for every traveller on the booking.
- ZERO FOREX FEE CREDIT CARD
Use GoldX internationally across 180+ countries with zero forex fee.
- 5% BACK ON SHOPPING, FOOD & GROCERIES
As a shopping credit card, get 5% back on vouchers for Amazon, Flipkart, Swiggy, Myntra & 200+ merchants on Uni Store.
-50% BACK ON MOVIES
As a movie credit card, get 50% back on PVR, INOX & Cinepolis vouchers via Uni Store, up to ₹250 every month.
- 1% BACK ON UPI
Enjoy a complimentary GoldX RuPay credit card. Scan & pay, and earn a flat 1% back on all your merchant UPI payments.
- 1% FUEL SURCHARGE WAIVER
Get a 1% fuel surcharge waiver with this fuel credit card with a maximum waiver of ₹500 per statement cycle.
- REWARDS ON EVERYDAY SPENDS
Earn 1% back on eligible online/offline GoldX card spends, including insurance and jewellery.
- TURN YOUR REWARDS INTO 24K GOLD CREDIT CARD
GoldX rewards are earned as Uni Coins.
100 Uni Coins = ₹1
Convert Uni Coins into 24K Digital Gold directly inside the Uni app. This Gold is backed and secured by Augmont.
Track Gold in both grams & ₹ value in the GoldX vault. Sell this Gold for cash or mint into a physical Gold coin with Zero Making Charges.
-LIFETIME FREE CREDIT CARD
-MANAGE GOLDX FROM THE UNI APP
• View card details & set transaction limits
• Lock or unlock your card
• Reset your card PIN
• Manage your GoldX Vault
HOW TO GET GOLDX
Download Uni app and check eligibility.
Complete KYC digitally.
Once approved, activate GoldX & GoldX RuPay
GoldX is offered in partnership with YES BANK & Bank of Baroda. The gold rewards credit card issuance is subject to eligibility, applicable bank policies and terms.
- REWARD EXCLUSIONS
Rewards may not apply to money transfers, rent, fuel, cash withdrawals, wallet loads, international transactions, EMI transactions, utilities and government services. International transactions are ineligible for rewards.
Loans, Credit Score Improvement & more
Need money?
Explore personal loan offers of up to ₹20 lakh from multiple lending partners. Rates starting from 9.9% p.a.*
Too many EMIs?
Consolidate multiple high-interest repayments & turn them into a single low-interest EMI.
Want stronger credit?
Get free AI-powered insights into your credit profile, understand what may be holding your score back with clear next steps.
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
Example of How Uni Personal Loan works:
Loan Amount = ₹51,000
Disbursement Amount = ₹50,000
Tenure = 36 months
Interest rate = 18% p.a
- 7% BACK IN A TRAVEL CREDIT CARD
Get unlimited 7% back on flight & hotel bookings via Uni Store.
- LoungeTogether:
LOUNGE ACCESS FOR EVERY TRAVELLER
Booking a flight at Uni Store? Your GoldX lounge access credit card benefits include:
7% back on your booking
OR
LoungeTogether - complimentary lounge access for every traveller on the booking.
- ZERO FOREX FEE CREDIT CARD
Use GoldX internationally across 180+ countries with zero forex fee.
- 5% BACK ON SHOPPING, FOOD & GROCERIES
As a shopping credit card, get 5% back on vouchers for Amazon, Flipkart, Swiggy, Myntra & 200+ merchants on Uni Store.
-50% BACK ON MOVIES
As a movie credit card, get 50% back on PVR, INOX & Cinepolis vouchers via Uni Store, up to ₹250 every month.
- 1% BACK ON UPI
Enjoy a complimentary GoldX RuPay credit card. Scan & pay, and earn a flat 1% back on all your merchant UPI payments.
- 1% FUEL SURCHARGE WAIVER
Get a 1% fuel surcharge waiver with this fuel credit card with a maximum waiver of ₹500 per statement cycle.
- REWARDS ON EVERYDAY SPENDS
Earn 1% back on eligible online/offline GoldX card spends, including insurance and jewellery.
- TURN YOUR REWARDS INTO 24K GOLD CREDIT CARD
GoldX rewards are earned as Uni Coins.
100 Uni Coins = ₹1
Convert Uni Coins into 24K Digital Gold directly inside the Uni app. This Gold is backed and secured by Augmont.
Track Gold in both grams & ₹ value in the GoldX vault. Sell this Gold for cash or mint into a physical Gold coin with Zero Making Charges.
-LIFETIME FREE CREDIT CARD
-MANAGE GOLDX FROM THE UNI APP
• View card details & set transaction limits
• Lock or unlock your card
• Reset your card PIN
• Manage your GoldX Vault
HOW TO GET GOLDX
Download Uni app and check eligibility.
Complete KYC digitally.
Once approved, activate GoldX & GoldX RuPay
GoldX is offered in partnership with YES BANK & Bank of Baroda. The gold rewards credit card issuance is subject to eligibility, applicable bank policies and terms.
- REWARD EXCLUSIONS
Rewards may not apply to money transfers, rent, fuel, cash withdrawals, wallet loads, international transactions, EMI transactions, utilities and government services. International transactions are ineligible for rewards.
Loans, Credit Score Improvement & more
Need money?
Explore personal loan offers of up to ₹20 lakh from multiple lending partners. Rates starting from 9.9% p.a.*
Too many EMIs?
Consolidate multiple high-interest repayments & turn them into a single low-interest EMI.
Want stronger credit?
Get free AI-powered insights into your credit profile, understand what may be holding your score back with clear next steps.
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
Example of How Uni Personal Loan works:
Loan Amount = ₹51,000
Disbursement Amount = ₹50,000
Tenure = 36 months
Interest rate = 18% p.a
Uni Cards App Store
Uni Cards is #57 in Finance Free in India and charting in 1 of 30 countries we track.
Updated 11 Nov 2026 · rankings refresh through the day
CategoryFinance
PriceFree
Released
Rating★ 4.6 (22k)
Version2.27.1
Age rating4+
First seen by us 25 Sep 2026
25 Sep 2026Rating
4.6 ★
22k ratings
Measured
Best rank now
#57
Finance FreeMeasured
New ratings a week
12
steady vs the 2 weeks before
Measured
Uni Cards on the App Store
App details
App ID
1582949126
Publisher
Unirewards Technologies Private Limited
On the store since
Sep 2021
5 years on the store
Minimum OS
iOS 17.0+
iPhone XS and later
Devices
iPhone · iPad
Content rating
4+
Languages
1
EN
Size
126 MB
Uni Cards downloads
Worldwide, per day, and installs to date. The band is open; the exact number is free with an account.
How this is calculated
Apple publishes no download counts. App Store downloads come from chart positions and daily rating growth per country, calibrated on Google Play install counts; lifetime installs from ratings worldwide × installs per rating. Confidence is the chance the real number is within half to double ours.
Where Uni Cards'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
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
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 now
Every top chart it appears in across 30 countries.
| Country | Charts | Rank |
|---|---|---|
| India | FinanceFree | #57 |
Apps near Uni Cards on the chart
Finance Free, around #57.
Ratings
App Store, worldwide.
Rating
4.6 ★
22k ratings
Measured
Ratings
22k
Measured
Review momentum
ⓘ How we measure thisNew ratings a week
12
steady vs the 2 weeks before
Lifetime rating
4.6★
recent stars not readable yet: new ratings are a tiny share of the total
Review momentum
62/100
faster than 72% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
About Uni Cards
Meet GoldX - the lifetime free credit card that turns spends into 24K Digital Gold.
- 7% BACK IN A TRAVEL CREDIT CARD
Get unlimited 7% back on flight & hotel bookings via Uni Store.
- LoungeTogether:
LOUNGE ACCESS FOR EVERY TRAVELLER
Booking a flight at Uni Store? Your GoldX lounge access credit card benefits include:
7% back on your booking
OR
LoungeTogether - complimentary lounge access for every traveller on the booking.
- ZERO FOREX FEE CREDIT CARD
Use GoldX internationally across 180+ countries with zero forex fee.
- 5% BACK ON SHOPPING, FOOD & GROCERIES
As a shopping credit card, get 5% back on vouchers for Amazon, Flipkart, Swiggy, Myntra & 200+ merchants on Uni Store.
-50% BACK ON MOVIES
As a movie credit card, get 50% back on PVR, INOX & Cinepolis vouchers via Uni Store, up to ₹250 every month.
- 1% BACK ON UPI
Enjoy a complimentary GoldX RuPay credit card. Scan & pay, and earn a flat 1% back on all your merchant UPI payments.
- 1% FUEL SURCHARGE WAIVER
Get a 1% fuel surcharge waiver with this fuel credit card with a maximum waiver of ₹500 per statement cycle.
- REWARDS ON EVERYDAY SPENDS
Earn 1% back on eligible online/offline GoldX card spends, including insurance and jewellery.
- TURN YOUR REWARDS INTO 24K GOLD CREDIT CARD
GoldX rewards are earned as Uni Coins.
100 Uni Coins = ₹1
Convert Uni Coins into 24K Digital Gold directly inside the Uni app. This Gold is backed and secured by Augmont.
Track Gold in both grams & ₹ value in the GoldX vault. Sell this Gold for cash or mint into a physical Gold coin with Zero Making Charges.
-LIFETIME FREE CREDIT CARD
-MANAGE GOLDX FROM THE UNI APP
• View card details & set transaction limits
• Lock or unlock your card
• Reset your card PIN
• Manage your GoldX Vault
HOW TO GET GOLDX
Download Uni app and check eligibility.
Complete KYC digitally.
Once approved, activate GoldX & GoldX RuPay
GoldX is offered in partnership with YES BANK & Bank of Baroda. The gold rewards credit card issuance is subject to eligibility, applicable bank policies and terms.
- REWARD EXCLUSIONS
Rewards may not apply to money transfers, rent, fuel, cash withdrawals, wallet loads, international transactions, EMI transactions, utilities and government services. International transactions are ineligible for rewards.
Loans, Credit Score Improvement & more
Need money?
Explore personal loan offers of up to ₹20 lakh from multiple lending partners. Rates starting from 9.9% p.a.*
Too many EMIs?
Consolidate multiple high-interest repayments & turn them into a single low-interest EMI.
Want stronger credit?
Get free AI-powered insights into your credit profile, understand what may be holding your score back with clear next steps.
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
Example of How Uni Personal Loan works:
Loan Amount = ₹51,000
Disbursement Amount = ₹50,000
Tenure = 36 months
Interest rate = 18% p.a
- 7% BACK IN A TRAVEL CREDIT CARD
Get unlimited 7% back on flight & hotel bookings via Uni Store.
- LoungeTogether:
LOUNGE ACCESS FOR EVERY TRAVELLER
Booking a flight at Uni Store? Your GoldX lounge access credit card benefits include:
7% back on your booking
OR
LoungeTogether - complimentary lounge access for every traveller on the booking.
- ZERO FOREX FEE CREDIT CARD
Use GoldX internationally across 180+ countries with zero forex fee.
- 5% BACK ON SHOPPING, FOOD & GROCERIES
As a shopping credit card, get 5% back on vouchers for Amazon, Flipkart, Swiggy, Myntra & 200+ merchants on Uni Store.
-50% BACK ON MOVIES
As a movie credit card, get 50% back on PVR, INOX & Cinepolis vouchers via Uni Store, up to ₹250 every month.
- 1% BACK ON UPI
Enjoy a complimentary GoldX RuPay credit card. Scan & pay, and earn a flat 1% back on all your merchant UPI payments.
- 1% FUEL SURCHARGE WAIVER
Get a 1% fuel surcharge waiver with this fuel credit card with a maximum waiver of ₹500 per statement cycle.
- REWARDS ON EVERYDAY SPENDS
Earn 1% back on eligible online/offline GoldX card spends, including insurance and jewellery.
- TURN YOUR REWARDS INTO 24K GOLD CREDIT CARD
GoldX rewards are earned as Uni Coins.
100 Uni Coins = ₹1
Convert Uni Coins into 24K Digital Gold directly inside the Uni app. This Gold is backed and secured by Augmont.
Track Gold in both grams & ₹ value in the GoldX vault. Sell this Gold for cash or mint into a physical Gold coin with Zero Making Charges.
-LIFETIME FREE CREDIT CARD
-MANAGE GOLDX FROM THE UNI APP
• View card details & set transaction limits
• Lock or unlock your card
• Reset your card PIN
• Manage your GoldX Vault
HOW TO GET GOLDX
Download Uni app and check eligibility.
Complete KYC digitally.
Once approved, activate GoldX & GoldX RuPay
GoldX is offered in partnership with YES BANK & Bank of Baroda. The gold rewards credit card issuance is subject to eligibility, applicable bank policies and terms.
- REWARD EXCLUSIONS
Rewards may not apply to money transfers, rent, fuel, cash withdrawals, wallet loads, international transactions, EMI transactions, utilities and government services. International transactions are ineligible for rewards.
Loans, Credit Score Improvement & more
Need money?
Explore personal loan offers of up to ₹20 lakh from multiple lending partners. Rates starting from 9.9% p.a.*
Too many EMIs?
Consolidate multiple high-interest repayments & turn them into a single low-interest EMI.
Want stronger credit?
Get free AI-powered insights into your credit profile, understand what may be holding your score back with clear next steps.
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
Example of How Uni Personal Loan works:
Loan Amount = ₹51,000
Disbursement Amount = ₹50,000
Tenure = 36 months
Interest rate = 18% p.a
Latest updates
2.27.1
Bug fixes
2.26.1
Bug fixes
2.25.3
- All-New Gold SIP Experience: Starting and tracking your daily or monthly digital gold investments is now smoother and more rewarding than ever.
- Fresh Home Screen: A clutter-free home layout to help you quickly access your favourite features and balance in fewer taps.
- Performance & Bug Fixes: Optimized app stability for a faster, glitch-free experience.
Store changes
What Uni Cards changed on its store page: name, icon, screenshots, price, size, languages, requirements.
Description updated
New screenshots
8 screenshots (was 4)
Uni: GoldX & UPI Credit Card Android
Uni: GoldX & UPI Credit Card is #150 in Finance Free on Google Play in India and charting in 1 of 23 countries we track.
Updated 11 Nov 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
#150
Finance FreeMeasured
Uni: GoldX & UPI Credit Card on Google Play
App details
App ID
cards.uni.app.credit
Publisher
Uni Cards
Content rating
Everyone
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 23 countries.
| Country | Charts | Rank |
|---|---|---|
| India | FinanceFree | #150 |
Apps near Uni: GoldX & UPI Credit Card on the chart
Finance Free, around #150.
Millions: Mutual Fund & Stocks#145
Zerodha Kite - Trade & Invest#146
Loan112 Instant Personal Loan#147
MO RIISE: Stocks, IPO & Demat#148
NSDL Jiffy: Zero Balance A/C#149
mBandhan Lite#151
PayPal - Pay, Send, Save#152
novio: UPI Credit Card for All#153
Mint Money: Loan, Credit Score#154
Instant Personal Loan : InCred#155
Ratings
Google Play, worldwide.
Rating
4.5 ★
194k ratings
Measured
Ratings
194k
Measured
Written reviews
9
Measured
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.
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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