UNI Gold X Credit Card

The key benefits of the Uni credit card are as follows:

Here are the main Uni Gold X Credit Card benefits:

• Up to 5% to 8% gold back on vouchers from Amazon, Zomato, Myntra, etc., via the Uni Store.
• Unlimited 7% back on booking flights from Uni Store (valid on all domestic & international flights). No capping on rewards and no minimum spends.
• Get 1% back on your spending as 24K digital gold on all transactions.
• Earn 1% back on Scan & Pay UPI, POS, and online/offline transactions with the RuPay variant, with no capping on rewards.
• Full digital management via the Uni card app.
• Reward your stays with 10% back on hotels (post check-in). 
• Zero Foreign Currency Conversion fee when you travel and shop abroad in 180+ countries.
• 1% fuel surcharge waiver (up to ₹500 per statement cycle) every billing cycle, valid for transactions up to ₹7,500 only.
• 100% lifetime free credit card with zero joining and annual fees. 
• You can also read the Uni Gold X Credit Card reviews of existing customers to know its benefits.
• Get your Uni Gold X Credit Card approved in just 2 minutes without any hassle, in a 100% paperless manner.
• Get up to 50 days' interest-free period.
• Avail of up to 3 supplementary/ add-on cards.

The charges associated with the Uni Gold X Credit Card are mentioned below:

• Joining fee: Nil.
• Renewal fee: Nil.
• Supplementary/ Add-on card fee: Nil (maximum up to 3 add-on Unicards can be issued).
• Foreign currency conversion charges: 0%.
• Cash advance fee: 2.5% of the amount withdrawn or ₹300, whichever is higher.
• Finance charges on revolving credit/ cash advance/ overdue amount: 3.99% p.m. (47.88% p.a.).
• Interest on cash advance: 3.99% p.m. (47.88% p.a.).
• Late payment charges: 10% of the due amount (up to ₹1,350) per statement balance of ₹500 & above.
• Over limit fee: 2.5% of the over limit amount or ₹500, whichever is higher.
• Payment return charges (cheques/ auto pay): 2% of the net payable amount or ₹450, whichever is higher, per instance.
• Reissuance of lost/ stolen/ damaged card: ₹100 per reissuance.
• Duplicate physical statement older than 6 months: ₹100 per statement.
• Cash deposit for credit card repayment: ₹100.
• Rental transaction fee: 1% to 1.25% of the billed amount (minimum ₹100 to ₹199).
• Wallet transaction fee: 1% or ₹1, whichever is higher.
• Education payment fee: 1% (maximum ₹5,000 per calendar month).
• Surcharge on utility transactions: 1% (maximum 3,000 per transaction) on utility transactions of ₹50,000 or above.
• Charges on purchase/cancellation of railway tickets: As prescribed by IRCTC/ Indian Railways.
• TDS on withdrawals above ₹1 Crore: 2% on aggregate cash withdrawals exceeding ₹1 Crore. 
• Goods & Services Tax (GST); 18%, applicable on all charges.
• Government/ regulatory charges: As advised by the Government/ regulatory bodies.

You may contact the Uni Card customer care number if you have any queries regarding the above charges.

Below are the eligibility criteria to be met to qualify for the Uni Gold credit card:

• Nationality: Indian resident.
• Age: Between 21 and 60 years.
• Occupation: Salaried or self-employed
• Minimum Net Salary: ₹25,000 per month or Income Tax Return (ITR) of ₹7.5 lakhs and above.
• Credit Score: Although having a good credit score can be helpful for getting better rates and terms, Uni cards are also available to new-to-credit (NTC) customers.

Documents required to apply for the Uni Gold X Credit Card are as follows:

• PAN Card (mandatory)
• Identity Proof such as Passport/ Driving License/ Aadhaar Card/ etc.
• Address Proof: Aadhaar Card/ Passport/ Driving License/ Voter's Identity Card, etc.
• Income Proof for Salaried: Salary slips of the last 3 months and/or last 6 months' bank statements.
• Income Proof for Self-Employed): Income Tax Returns (ITR) and business proof.
• Photograph: Passport-sized photo for the application form.

You must be aware of the following Uni Card benefits and disadvantages before applying for the card:

UNI Credit Card Benefits:

• Up to 5% to 8% gold back on vouchers from top brands via the Uni Store.
• Unlimited 7% back on booking domestic & international flights from Uni Store.
• 1% back as 24K digital gold on all transactions.
• 1% back on Scan & Pay UPI, POS, and online/offline transactions with the RuPay variant.
• Full digital management via the Uni app.
• Reward your stays with 10% back on hotels (post check-in). 
• 0% Foreign Currency Conversion fee.
• 1% fuel surcharge waiver.
• Zero joining and annual fees. 
• Approval in just 2 minutes. 
• 100% paperless process.
• Up to 50 days' interest-free period.
• Up to 3 supplementary/ add-on cards.

UNI Credit Card Disadvantages:

• High fees for missed payments.
• High interest (up to 3.99% monthly) for carrying balances.
• Restrictions on earning rewards as rent and utility transactions are excluded. 
• The 1/3rd model can encourage overspending if not managed carefully.

• Download the Uni app from the Google Play Store/ Apple App Store or visit the official Uni Cards website.
• Enter your active mobile number linked to your Aadhaar card to receive an OTP for verification.
• Complete the mobile number verification.
• Fill in personal information, including your PAN card number, address and employment details, to check your eligibility for the card.
• Complete the e-KYC process by uploading your PAN card, verifying your Aadhaar, and taking a selfie.
• Once approved, your credit limit will be assigned. 
• Activate the virtual credit card within the app for online transactions.

• Uni Card Customer Care Number: 080 68216821
• Uni Card Email: care@uni.club

The Uni Gold X credit card is a one-of-a-kind, lifetime free credit card. This credit card rewards users with 10% back on hotels, 5% to 8% gold back on vouchers from top brands via the Uni Store, unlimited 7% back on booking flights from Uni Store, 1% back on all transactions, 1% fuel surcharge waiver, and many other benefits. The card can be used internationally without worries for its 0% forex markup feature. It is powered by YES Bank or BOB Card and is ideal for daily spending.