Uni

Apply for the Uni GoldX UPI Credit Card Online

Earn 24K Digital Gold rewards on everyday spends with Uni GoldX UPI credit cards.

Issued by
BOBCARD YESBANK
Save on Fuel Surcharge. Earn Rewards in 24K Gold.

Save on Fuel Surcharge. Earn Rewards in 24K Gold.

A fuel credit card can help you save on fuel expenses while earning rewards on eligible purchases. Here’s what Uni GoldX offers: Save on fuel: Get a fuel surcharge waiver of up to ₹500 every billing cycle on eligible fuel transactions. Earn gold rewards: Earn rewards on eligible card spends, redeemable for 24K Gold through the Uni app. Compare benefits: When choosing the best fuel credit card, consider surcharge savings, fees, reward eligibility, and redemption options to find the right fit.

Is a Fuel Credit Card the Smarter Way to Fuel Up?

Is a Fuel Credit Card the Smarter Way to Fuel Up?

Choosing the right card can help you get more value from your regular fuel expenses. Consider these benefits before applying: Track spending: Review monthly statements to monitor fuel purchases. Save on fuel: Reduce eligible transaction costs with surcharge waivers. Earn rewards: A fuel cashback credit card can offer cashback or rewards on eligible purchases. Compare benefits: Check waiver limits, reward exclusions, transaction eligibility, and fees to find the best fuel credit card for your spending habits.

Key GoldX Fuel Credit Card Benefits

The best credit card for fuel in India should offer practical savings and rewards. Uni GoldX combines a fuel surcharge waiver of up to ₹500 every billing cycle, 1% back on UPI, online & offline spends, ₹0 joining and annual fees, and redemption for 24K Digital Gold. Availability depends on the merchant, transaction type, network, app, and applicable terms.

Fuel Surcharge Waiver Up to ₹500 Every Billing Cycle

GoldX offers a fuel surcharge waiver of up to ₹500 every billing cycle. Eligible transactions, applicable limits, and conditions determine the actual benefit you receive.

Fuel Surcharge Waiver Up to ₹500 Every Billing Cycle

1% back on Eligible Card Spends

If you want the best card for fuel spends, check reward eligibility carefully. GoldX offers 1% back on eligible card spends, subject to applicable exclusions.

1% back on Eligible Card Spends

Uni Coins Redeemable as 24K Digital Gold

A gold card credit card like Uni GoldX lets eligible Uni Coins be redeemed for 24K Digital Gold through the Uni app, subject to applicable terms.

Uni Coins Redeemable as 24K Digital Gold

Lifetime Free: ₹0 Joining, ₹0 Annual Fee

GoldX can suit those seeking the best free lifetime credit card, with ₹0 joining and annual fees. Other applicable charges may still apply.

Lifetime Free: ₹0 Joining, ₹0 Annual Fee
Get More from Your Fuel Credit Card with Uni GoldX

Get More from Your Fuel Credit Card with Uni GoldX

Want more from your regular fuel spends? Uni GoldX lets you redeem eligible Uni Coins for 24K Digital Gold through the Uni app, alongside a fuel surcharge waiver of up to ₹500 every billing cycle. When choosing the best fuel credit card, compare the best fuel surcharge waiver credit card options based on eligible transactions, fees, and applicable terms.

How Much Gold Will Your Monthly Spends Earn?

Spends

₹
₹
₹
₹
₹

Rewards

Estimated reward value₹3,000
Estimated Uni Coins30,000
Estimated gold quantity at the live redemption price (₹14,918/g)0.201 g

This estimate is illustrative. Actual rewards depend on eligibility, transaction type, route, merchant availability, caps, exclusions and applicable terms.

Five Steps to Fuel Up and Earn Gold Rewards

Apply for the best fuel credit card, complete KYC, earn Uni Coins, and redeem them for 24K Digital Gold.

Earn Uni Coins and redeem them for 24K Digital Gold.

Step Preview

Who Can Apply for a Uni GoldX Fuel Credit Card?

To check credit card eligibility, open the Uni app and review the offer available for your profile. Approval depends on the issuing bank’s criteria, credit assessment, and successful KYC verification.

Applying for a Fuel Credit Card? Keep These Details Ready

Before applying for the best fuel credit card, make sure you have these details handy. An active mobile number Your Permanent Account Number (PAN) Valid identity and address details Income or employment details, if requested by the issuer

Know the Charges Before You Apply for a Fuel Credit Card

Joining fee₹0
Annual or renewal fee₹0
Forex fee₹0 on international spends
Fuel surcharge waiverUp to ₹500
Interest chargesAs per the issuing bank’s current schedule of charges
Late-payment and other applicable chargesAs per the issuing bank’s current schedule of charges

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 Fuel Credit Card in a Few Simple Steps

Here is how you can apply for the best credit card for fuel in India in a few simple steps:

The issuing bank reviews your application. If approved, follow the in-app steps to activate your card.

Step Preview
Issued with established banking partners

Issued with established banking partners

Your Fuel Credit Card Rewards Are Safeguarded by Augmont

Your Fuel 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 UPI 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

Rajesh

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

Ananya

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

Shivani

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

Rajesh

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

Ananya

How Does Fuel Surcharge Waiver Work on Credit Cards?

A fuel surcharge is an additional fee you may pay when buying petrol or diesel with a credit card. A fuel credit card with a surcharge waiver can help reduce this cost on eligible transactions. Uni GoldX offers a fuel surcharge waiver of up to ₹500 every billing cycle, subject to applicable conditions and transaction limits.
 When selecting the Best Credit Card for Fuel, check how the waiver works, which fuel stations qualify, and whether applicable taxes affect your savings. The waiver limit is important, too, as your actual benefit depends on eligible transactions.
 If you're wondering which credit card is best for fuel, compare more than the advertised waiver. Look at reward eligibility, joining and annual fees, and other applicable charges. The Best Fuel Surcharge Waiver Credit Card should suit your regular fuel expenses and offer benefits you can use. Review the card's terms before applying to understand the conditions and estimate your potential savings on fuel purchases.

Can You Pay for Fuel With a Credit Card at Any Fuel Station?

You can pay for fuel with a credit card at fuel stations that accept card payments. However, acceptance and benefits may vary by station, payment terminal, card network, and issuer. Check whether the station supports your card before paying. A Credit Card with Fuel Benefits may offer a surcharge waiver, rewards, or other savings on eligible transactions. However, not every fuel purchase qualifies. Some cards apply minimum or maximum transaction limits, exclude certain transaction types, or restrict benefits to specified stations. With Uni GoldX, check the applicable terms to understand the Fuel Surcharge Waiver, including its limit of up to ₹500 every billing cycle and any transaction conditions. Also confirm whether fuel purchases qualify for rewards instead of assuming that every payment earns Uni Coins. When comparing the Best Card for Fuel Spends, consider station acceptance, surcharge-waiver eligibility, reward rates, and other applicable charges. Keep your receipts and review your card statement to confirm that eligible benefits have been applied. Checking these details before paying helps you understand the value of using a credit card at a fuel station and avoid assumptions about savings or rewards.

Want to Save More on Fuel? Here's How to Get Started

Using a fuel credit card wisely can help you save on regular fuel expenses. If you're considering a Fuel Cashback Credit Card, compare cashback rates, fuel surcharge waivers, and eligible transactions to understand which benefits suit your spending habits.

Check the surcharge waiverReview the waiver limit, eligible transactions, and applicable conditions.
Compare reward ratesCheck whether fuel purchases earn rewards or cashback.
Track your spendingMonitor monthly fuel expenses to understand how much of the available waiver you use.
Review exclusionsCheck minimum transaction amounts, eligible fuel stations, and applicable taxes.
Compare cardsConsider an Indian Oil Credit Card alongside other options, comparing fees, rewards, and redemption conditions.

The best travel credit card for one traveller may not be the best for another. Compare total value, fees, exclusions, reward flexibility and travel habits before applying.

Blogs

Best Fuel Credit Cards in India (Surcharge Waiver Comparison)

Best Fuel Credit Cards in India (Surcharge Waiver Comparison)

Types of Credit Cards in India: Which One Fits You?

Types of Credit Cards in India: Which One Fits You?

Best Lifetime Free Credit Cards in India

Best Lifetime Free Credit Cards in India

Frequently Asked Questions About Fuel Credit Card

A fuel surcharge waiver reduces the surcharge on eligible fuel transactions made using a credit card. The actual savings depend on the card's waiver limit, transaction eligibility, and applicable terms and conditions.