Uni GoldX
Uni / SBM · Visa — Digital-gold rewards card with simple everyday earning.
Last Updated: 2026-07-07
Annual Fee
₹0
Joining Fee
₹0
Forex Markup
3.5%
Reward Type
digital-gold
Overview
Digital-gold rewards card with simple everyday earning.
Digital gold on spends
Features & Benefits
- Welcome: Welcome gold credit offer-led
- Milestones: Spend milestones in gold
- Lounge: No
- Railway lounge: No
- Golf: No
- Insurance: Limited
- Concierge: No
- Fuel: Limited
- Dining: Partner
- Movies: Partner
- Travel: Standard
- EMI: Yes
Reward Structure
| Category | Reward % | Notes |
|---|---|---|
| Online Shopping | 1.5% | — |
| Grocery | 1.5% | — |
| Dining | 1.5% | — |
| Fuel | 1% | — |
| Travel | 1.5% | — |
| Utility Bills | 1% | — |
| Entertainment | 1.5% | — |
| UPI | Excluded | — |
| Insurance | 1.5% | — |
| Rent (Optional) | Excluded | — |
Excluded: Rent, Wallet loads
Fees & Charges
- Renewal waiver: Lifetime free
- Interest: As per issuer
- Cash advance: As per issuer
- Late fee: As per issuer
- Over-limit: As per issuer
Eligibility
- Credit score: 680+
- Min income: ₹15,000/mo
- Employment: both
- Age: 18–60
Pros
- ✓ Lifetime free
- ✓ Unique gold rewards
- ✓ Accessible eligibility
Cons
- • Gold value fluctuates
- • Weaker premium perks
- • Acceptance nuances
About Uni GoldX
Credit-card detail or category comparison to match rewards with your spending.
How it works
Scan fees, rewards and eligibility, then compare against alternatives on the cards hub.
Practical tips
Check milestone and welcome benefit timelines before you switch.
Important to know
Issuer terms change — verify on the bank site.
Frequently Asked Questions
- What are the key benefits of Uni GoldX?
- Digital-gold rewards card with simple everyday earning. Highlights: Digital gold on spends. Lounge: No.
- What is the annual fee for Uni GoldX?
- Joining fee ₹0 and annual fee ₹0. Waiver: Lifetime free.
- Who is eligible for Uni GoldX?
- Typical guide: credit score 680+, income from ₹15,000/mo, age 18–60, employment: both. Final approval is with the issuer.
- Does Uni GoldX have forex markup?
- Indicative forex markup is 3.5%. Always confirm current markup on the issuer site.
- How do I apply for Uni GoldX?
- Use the official apply link on this page and complete KYC with the issuer. EnrichReturns does not process applications.