Uni Cards
Uni Cards is #39 in Finance Free in India and charting in 1 of 24 countries we track.
Updated 27 Sep 2026 · rankings refresh through the day
CategoryFinance
PriceFree
Released
Rating★ 4.6 (22k)
Version2.12.4
Age rating4+
First seen by us🇮🇳 25 Sep 2026
Rating
4.6 ★
22k ratings
Measured
Best rank now
#39
🇮🇳 Finance Free
Measured
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. iPhone 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 per daily user
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 24 countries.
| Country | Charts | Rank |
|---|---|---|
| 🇮🇳 India | FinanceFree | #39 |
Apps near Uni Cards on the chart
🇮🇳 Finance Free, around #39.
Ratings
App Store, worldwide.
Rating
4.6 ★
22k ratings
Measured
Ratings
22k
Measured
About Uni Cards
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, flexible EMIs, zero pre-closure fees, paperless onboarding & 24x7 support.
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 representation only. Final APR depends on credit assessment. APR (Annual Percentage Rate) is yo
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, flexible EMIs, zero pre-closure fees, paperless onboarding & 24x7 support.
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 representation only. Final APR depends on credit assessment. APR (Annual Percentage Rate) is yo
Latest updates
2.18.2
Celebrate 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.
2.12.4
Bug fixes and improvements