Uni : GoldX & NX Credit Card

Uni Cards

About this app

NX Wave is now GoldX Credit Card

We are changing how India experiences credit. To one that’s simple, transparent, and effortless and is straight from the future. Here’s what it looks like:
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Introducing GoldX Credit Card

Earn 24K gold on your spends with GoldX, Uni’s brand new credit card. Issued by Yes Bank & Bob Card in co-brand partnership with Uni Cards, the GoldX Credit Card brings you an incredible experience and value like nothing you’ve seen before.

What GoldX brings you:

> 1% rewards* on your spends
> Convert your rewards to 24K DigiGold at real time gold price
> Up to 5x more value at the Uni Store
> 0% forex markup fee. Pay nothing extra on international transactions in 180+ countries
> Lifetime FREE: no annual or renewal fee
> Choice of six breathtaking colors
> Chance to get 3% Gold on completion of spend milestones
> Fuel surcharge waiver

*Not applicable on fuel purchase, rent & wallet transfers, ATM withdrawals & international transactions.

Your GoldX Credit Card is super secure:
* Stay in control: manage your card and its limits from the Uni app
* Avoid mishaps: Freeze/unfreeze your physical card if lost
* Strong on privacy: PCI-DSS certified, so your data is always safe

Note: NX Wave is now GoldX. Uni/Yes Bank & Bob Card will not be issuing any new NX Wave Credit Cards.

No matter what the expenses, 🧚🏻‍♂️ Uni Loans helps you cover it all

⭐️ 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.

Uni loan details -

Personal loan amount of up to 500,000
Interest rate up to 36% per annum
Choose from flexible loan tenures range from 3 to 60 months
Processing fee upto 5% of disbursement amount

Example of How Uni Personal Loan works:
Loan Amount = ₹51,000
Disbursement Amount = ₹50,000
Tenure = 36 months
Interest rate = 18% p.a
Processing fee = ₹1000
APR* = 19.43%
EMI = ₹1844
Total Interest Payable = ₹1,844 x 36 months - ₹51,000 = ₹15,384
Total Amount Payable = ₹1,844 x 36 months = ₹66,384

*Note: These numbers are for representation purposes only. Final APR will depend on the customer's credit assessment.

*APR (Annual Percentage Rate) is the total cost you'll pay for borrowing money over a year. It includes the interest rate plus any fees charged by the lender. APR gives you a clear picture of how much a loan will really cost you.

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To know more, you can always check our website 🌐 www.uni.cards or send us an email to 📧[e-mail]

Office Address
Uniorbit Technologies Pvt Ltd. (Uni Cards)
No.3, B Nexus, 3rd Block, Koramangala 1A Block, SBI Colony, Koramangala, Bengaluru, Karnataka 560034

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🎖All loans are facilitated through Uniorbit Technologies Pvt Ltd (LSP and DLA) in partnership with lending partners (RBI regulated entities) as given below.
NBFC - Kisetsu Saison Finance (India) Private Limited
NBFC - Northern Arc Capital Limited

Ratings and reviews

The Uni app is super easy to use and very helpful for managing expenses. The interface is clean, smooth, and beginner-friendly. I really like how it shows clear repayment options and splits payments in a simple way. Transactions are quick, and notifications keep me updated instantly. The customer support is also responsive whenever I have a query. Overall, it makes handling credit and payments stress-free. Highly recommended for anyone looking for a smart and reliable pay-later solution!

A Game-Changer for University Life! ​I've tried countless organization and planning apps, but nothing has come close to how useful the Uni app is. From the moment I downloaded it, it felt like it was built specifically for a student's needs. The intuitive interface makes it incredibly easy to set up my classes, track my assignment deadlines, and manage my study schedule without any hassle. ​What truly sets it apart is the collaborative feature. The ability to create study groups and share notes

I liked the card but there's biggest marketing scam for this UNI card. They promote and marketed their card as if you will get Rupay credit card and you'll earn cashback on each upi transaction as well. But in reality, they provided me with mastercard and gave me option of only VISA. NO RUPAY CARD OFFER PROVIDED! Plus: app crashes if you are raising issue via app. Also, app crashes when I am trying to click on "book flight" option