Uni: GoldX & UPI Credit Card

Uni Cards

About this app

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.
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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
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.

🎖All loans are facilitated through Uniorbit Technologies Pvt Ltd (LSP and DLA) in partnership with lending partners (RBI regulated entities) as given below:

NBFC - Northern Arc Capital Limited

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

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

Ratings and reviews

Uni Pay 1/3rd Card is a digital credit card app that allows users to split their purchases into three monthly payments instead of paying the full amount at once. It provides an instant virtual card for online transactions and offers 1% rewards on selected purchases. The app is easy to use and user-friendly. However, it has some drawbacks. Some users report high fees, poor customer support, and it has faced regulatory issues in the past Thank you for All 💖

Uni Pay 1/3rd Card is a digital credit card app that allows users to split their purchases into three monthly payments instead of paying the full amount at once. It provides an instant virtual card for online transactions and offers 1% rewards on selected purchases. The app is easy to use and user-friendly. However, it has some drawbacks. Some users report high fees, poor customer support, and it has faced regulatory issues in the past Thank you for All❤️❤️ ❤️❤️❤️

First, hire a better developer. Then ask people to apply through the app. The application is stuck on the e-KYC screen. When the call is initiated, it shows “Allow location,” but there is no option to allow it, and the popup does not close. It doesn’t even ask for permission. I have already manually granted the permission in the app settings. still no effect and not able to use.