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Uni GoldX Credit Card
YES / BOB • RuPay

Uni GoldX Credit Card

1% 24K Gold on Spends, 0% Forex Markup

Reviewed by Amodh Shetty
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
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Annual FeeFreeLifetime Free
Base Reward1.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹1,200Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹3,600

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
1.0%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Uni GoldX Credit Card is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.0% on base-aligned lanes, while broad base return remains closer to 1.0%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Use as a focused specialist inside a multi-card setup without forcing all spend through one product.

Watchouts

  • gold-linked reward conversion must be validated against issuer conversion rules
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkRuPay
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports10
  • Approval reports6

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Policy fallback: Policy-only fallback: no issuer lounge-list PDF row dataset is currently available.

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Uni GoldX Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No lounge spend unlock rule is listed for UNI GoldX.

Quarter / cycle rule

No quarter-based lounge rule is listed for UNI GoldX.

Guest access

Guest lounge access benefit is not listed for UNI GoldX.

Priority Pass

Priority Pass is not listed for UNI GoldX.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Exclusion risk: medium (42/100)Best redemption: DigiGold (Cashback)Value band: ₹0.20-₹0.35/ptForex fee: 0.00%Domains with data: 3

Earn Rule Matrix

Boosted, capped, and zero-reward categories in one table.

Exclusion risk: medium (42/100)
Fresh• 1h old
Category / MerchantRewardBucket
E-Commerce
Base: 100 Uni Coins per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
100 Uni Coins
Earn 100 Uni Coins per ₹100 spent
Low/Capped
UPI
Base: 100 Uni Coins per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
100 Uni Coins
Earn 100 Uni Coins per ₹100 spent
Low/Capped
Education (Third-Party)
Base: 100 Uni Coins per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Uni Coins
No rewards on this category
Zero
Fuel
Base: 100 Uni Coins per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Uni Coins
No rewards on this category
Zero
Rent
Base: 100 Uni Coins per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Uni Coins
No rewards on this category
Zero
Utilities
Base: 100 Uni Coins per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Uni Coins
No rewards on this category
Zero

Live Offers

Expiring offers are prioritized first, with details and terms.

No valid live offers are available in the current dataset snapshot.

Redemption Paths

Transfer ratios, minimum transfer rules, and redemption value hints.

Fresh• 1h old

Redemption Value Explorer

Modeled using estimated value-band ranges from enrichment data.

Best path: DigiGoldBand: ₹0.20-₹0.35/pt

DigiGold

Cashback

Ratio: Points transfer ratio 1:1₹0.20-₹0.35/pt
  • On spends of Rs 100, ear 100 UniCoins and convert them into DigiGold (100 UniCoins = 1 DigiGold)

Milestones

Spend thresholds and rewards grouped by period.

Milestone rules are unavailable in the current validated data pack.

Benefits

Reusable perks and value-add benefits extracted from validated rows.

No validated benefits are available for this card in the latest ingest.

Charges

Key fee and charge rows for transparent comparison.

Fresh• 1h old
ChargeValue
Joining Fee₹0
Renewal Fee₹0
Forex Fee0%
Add-on Card Fee₹0
DCC1%

Key Benefits

  • Lifetime Free Credit Card
  • Zero Forex Markup on International Spends
  • Earn 1% in 24K Digital Gold
  • RuPay variant with UPI linkage support

Things to Consider

  • Reward rate is only 1%
  • Gold prices fluctuate
  • No airport lounge access benefit is listed in current issuer data

About Uni GoldX Credit Card

Uni GoldX Credit Card is a gold card from YES / BOB, best for forex & gold investing. It is tagged under travel, lifetime free, rewards, international, upi categories in our database.

TravelLifetime FreeRewardsInternationalUPI

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Frequently asked questions

Is Uni GoldX Credit Card lifetime free?

Uni GoldX Credit Card is lifetime free with no annual fee.

What rewards does Uni GoldX Credit Card offer?

1% 24K Gold on Spends, 0% Forex Markup

Does Uni GoldX Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Uni GoldX Credit Card?

Forex & Gold Investing

Where can I apply for Uni GoldX Credit Card?

Check the issuer link listed for this card.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.