Apply for the Uni GoldX Cashback Credit Card Online
Turn eligible everyday spends into Uni Coins redeemable for 24K Digital Gold with our lifetime-free cashback credit card.
Turn Everyday Payments into Rewards with a Cashback Credit Card
Make everyday spending more rewarding with Uni GoldX. Eligible purchases can earn Uni Coins, which can be redeemed for 24K Digital Gold through the Uni app. From shopping, food and groceries to UPI payments and eligible travel bookings, GoldX brings rewards into one simple system. As a cashback credit card, it offers applicable credit card cashback offers across eligible categories, subject to rates, caps, exclusions, and applicable terms.
Why Choose a Cashback Credit Card for Everyday Spends?
A cashback credit card can help you earn value on purchases you already make. Instead of traditional reward points alone, eligible transactions may earn rewards based on applicable rates and categories. This can make regular spending more rewarding when you understand caps and exclusions. If UPI matters to you, compare options such as the best RuPay credit card for UPI cashback, while checking fees, eligibility, transaction restrictions, and redemption conditions.
Get More Value from Every Spend with a Cashback Credit Card
Uni GoldX combines rewards across everyday spending, travel, and UPI with 24K Digital Gold redemption. These credit cards with cashback-style benefits can offer value across eligible transactions, along with zero forex and lifetime-free fees, subject to applicable caps, exclusions, and terms.
1% Back on UPI and Everyday Spends
Earn 1% back in Uni Coins on eligible merchant UPI transactions. These credit card cashback offers apply subject to applicable exclusions, caps, and terms.
Unlimited 7% Back on Flights and Hotels
Earn 7% back in Uni Coins on bookings through Uni Store. Flight booking cashback is subject to booking conditions, participating merchants, caps and exclusions.
5% Back on Shopping, Food and Groceries
Earn 5% back through vouchers on shopping, food and grocery purchases across participating Uni Store brands. These credit card cashback offers are subject to merchant availability, applicable caps, exclusions, and terms.
Cashback That Turns Into 24K Gold
Eligible rewards become Uni Coins redeemable for 24K Digital Gold, making Uni GoldX a best cashback credit card choice for gold-based rewards, subject to applicable terms.
Lifetime Free, Zero Forex
GoldX has ₹0 joining and annual fees, with zero forex on eligible international spends across 180+ countries. Other credit card cashback offers and benefits remain subject to applicable terms.
Why Uni Cashback Credit Card Could Be the Right Fit for You
Uni GoldX takes a different approach to cashback. Instead of conventional cashback or reward points, eligible rewards are earned as Uni Coins and can be redeemed for 24K Digital Gold. This cashback credit card gives eligible spending a clear path to gold, with options to keep eligible digital gold, sell it for cash, or mint an eligible physical coin, subject to applicable terms.
What Could Your Cashback Credit Card Spends Earn You?
Spends
Rewards
This estimate is illustrative. Actual rewards depend on eligibility, transaction type, route, merchant availability, caps, exclusions and applicable terms.
How Your Cashback Rewards Credit Card Can Help You Earn 24K Digital Gold
Link an eligible credit card to UPI
Ready for a Cashback Credit Card? Check Your GoldX Eligibility
Eligibility for a cashback credit card depends on the issuing bank’s criteria, credit assessment, and KYC requirements. Check the Uni app to view your applicable requirements and complete the application journey.
Applying for a Cashback Credit Card Online? Keep These Details Ready
For an online cashback credit card application, keep your active mobile number and PAN ready. You may also need identity, address, income, or employment details, depending on your profile and the issuing bank’s KYC requirements.
Choose a Cashback Credit Card with ₹0 Joining and Annual Fees
Lifetime free refers to the ₹0 joining and annual/renewal fee. It does not mean every possible UPI credit card fee or other charge is zero.
Apply for a Cashback Credit Card Through the Uni App
Here is how you can apply for a cashback credit card:
The issuing bank reviews your application. If approved, follow the in-app steps to activate your card.
Issued with established banking partners
Your Cashback Credit Card Rewards Are Safeguarded by Augmont
Gold rewards are fulfilled and safeguarded by Augmont. The corresponding 24K gold is physically backed, held in secure insured vaults and audited by an independent trustee.
What GoldX Cardholders Say About Cashback Rewards
Linking my RuPay card to UPI was instantaneous. Earning 24K digital gold on daily chai, groceries, and fuel without changing my payment habits is brilliant. The redemption process is silky smooth.
Rajesh
Product Lead
The zero forex markup combined with gold coin rewards makes this my go-to card for both international travel and local UPI payments. The app interface is gorgeous and transparent.
Ananya
Design Director
The Uni Gold X card turns my daily spending on food, shopping, and travel into real 24K digital gold rewards with zero annual fees. With 0% forex markup and effortless micro-investing, it’s easily the smartest, most rewarding card I’ve used as a busy professional.
Shivani
IT Professional
Linking my RuPay card to UPI was instantaneous. Earning 24K digital gold on daily chai, groceries, and fuel without changing my payment habits is brilliant. The redemption process is silky smooth.
Rajesh
Product Lead
The zero forex markup combined with gold coin rewards makes this my go-to card for both international travel and local UPI payments. The app interface is gorgeous and transparent.
Ananya
Design Director
Applying for a Cashback Credit Card? Check These First
Before you apply for cash rewards credit card options, compare features against how you actually spend. A card offering cash back for online shopping may not provide the same value for UPI, travel, or offline purchases. Understanding the cashback credit card structure can help you select a card that fits right with your spending pattern. Check reward rates, eligible categories, spending limits, exclusions, fees, eligibility and redemption rules. Also consider whether additional benefits such as travel, lounge access or fuel-related offers matter to you.
What Are the Benefits of a Cashback Credit Card?
The cashback credit card benefits you receive depend on the reward structure, eligible categories, spending limits, and redemption options. A cashback credit card can make regular purchases more rewarding when transactions qualify. Before choosing one, compare reward rates, eligible spending categories, caps, exclusions, fees, and redemption flexibility. Also consider additional benefits such as travel, airport lounge access, or fuel-related offers, depending on your spending needs. Credit card cashback offers can vary by transaction, merchant, and payment method, so always review the applicable terms and conditions before making a purchase. Understanding these factors will help you select a card that better matches your everyday spending habits.
How Can You Maximise Cashback with a Cashback Credit Card?
To make the most of your card, understand where rewards apply and how to maximise eligible everyday spending.
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Frequently Asked Questions About Cashback Credit Card
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Compare flight and hotel rewards, airport lounge access, forex fees, annual charges, redemption options, and reward exclusions. Choose benefits that match your travel habits and spending.