Uni : Gold X & NX Credit Card

Uni Cards

About this app

NX Wave is now Gold X 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 Gold X Credit Card

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

What Gold X brings you:

> 1% 24K gold* on your spends
> 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 Gold X 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 will not be issuing any new NX Wave Credit Cards.


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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

Absolutely horrible experience, during video kyc it fails to focus on the pan card properly making the text blurred and gets your kyc rejected during the call. The app also fails to detect location properly before the kyc starts, keeps saying "phone location service is disabled", I haved a better phone than my mom, yet it failed but it did not fail on my mom's phone. The trick is to move the app to background for couple of seconds using the home button and switch back to it.

Please don't fall for the marketing and the gold stuff. This is absolutely horrible 1. GoldX does not exist, they will just send you some other card and give you points. You have to manually exchange those points to gold 2. App is USELESS. Every time you launch the app you have to verify phone by sending an otp and more for other menus 3. Paying bill via app is pathetic, you have to enter full card number each time! It's just looks good, please don't fall for it. Even SBI app works better!

The app is only for on-boarding not for transactional purpose. For that the yes bank app is to be used. Secondly, transactions only have a 50 percent chance of going through. I tried a contact less transaction at pos and it got declined after a minute or waiting even though contact less transactions of that amount are enabled in my yes bank app. This is not the first time it happened. Not a good experience with uni card.