Apply for the Uni GoldX Shopping Credit Card online
Shop for everyday essentials, earn 5% back on eligible spends, and redeem them as 24K Digital Gold.
Your Everyday Shopping Could Earn You 24K Gold
From clothes and groceries to food orders and everyday purchases, a shopping credit card can help you earn more from eligible spends. Uni GoldX offers 5% back on eligible shopping, food, and grocery purchases via vouchers on Uni Store, plus 1% back on eligible everyday online and offline spends. You can redeem eligible rewards as 24K Digital Gold through the Uni app. Looking for the best credit card for online shopping in India? Compare reward rates, fees, eligible purchases, and redemption terms before deciding.
Make Your Regular Shopping More Rewarding With Uni GoldX
A shopping credit card makes it convenient to pay for eligible purchases online and in stores. It also helps you track expenses through monthly statements and manage payments around your credit-card billing cycle. Based on the card, you can earn rewards on eligible transactions or access shopping offers. An online shopping credit card can be useful for regular purchases when its benefits match your spending habits. Before applying, compare reward rates, fees, exclusions, and repayment terms.
Here’s What Makes Shopping with GoldX Rewarding
Uni GoldX offers 5% back on shopping, food, and grocery spends via vouchers on Uni Store, plus 1% back on eligible everyday online and offline spends. Redeem eligible rewards as 24K Digital Gold through the Uni app. Explore credit card online shopping offers with ₹0 joining and annual fees, subject to applicable terms.
Earn 5% Back on Shopping, Food, and Groceries
If you're searching for the best credit card for shopping clothes, GoldX offers 5% back on eligible shopping, food, and grocery spends, subject to applicable terms and exclusions.
Get 1% Back on Everyday Online and Offline Spends
Your shopping credit card can offer value beyond shopping-specific purchases. GoldX provides 1% back on eligible everyday online and offline spends, subject to applicable conditions and exclusions.
Shopping That Turns Into 24K Gold
An online shopping credit card like GoldX lets you convert eligible rewards into Uni Coins and redeem them for 24K Digital Gold through the Uni app, subject to applicable terms.
Lifetime Free, Zero Forex
Choose the lifetime free credit card application journey with GoldX to access its lifetime-free proposition and zero-forex feature. Other applicable charges and conditions may still apply.
Your Shopping Rewards, Now in 24K Digital Gold
With a shopping credit card like GoldX, eligible rewards can become something you can redeem as 24K Digital Gold. Eligible rewards are converted into Uni Coins, which you can redeem through the Uni app. If you're looking for the best credit card for online shopping, compare the reward structure, eligible categories, and redemption conditions before applying.
Curious About Your Potential Gold Rewards? Calculate Them
Spends
Rewards
This estimate is illustrative. Actual rewards depend on eligibility, transaction type, route, merchant availability, caps, exclusions and applicable terms.
How to Earn Uni Coins and Redeem Them for 24K Digital Gold
Get your application for a shopping credit card approved by the issuing bank.
Is Uni GoldX Right for You? Check Your Eligibility
To check your shopping credit card eligibility, open the Uni app and review the offer available for your profile. The issuing bank assesses applications based on its eligibility criteria, credit assessment, and KYC requirements.
What Do You Need for a GoldX Application?
When applying for online shopping with credit cards, keep your active mobile number, Permanent Account Number (PAN), and requested identity and address details ready. The issuer may also ask for income or employment information where applicable.
Know Your GoldX Fees Before You Start Shopping
Lifetime free means ₹0 joining and annual or renewal fees. The RuPay credit card UPI feature and other card charges remain subject to applicable terms. International transactions do not earn GoldX rewards. Review the latest fees and charges before applying.
Ready to Earn on Eligible Shopping? Apply for GoldX
Applying for the shopping credit card involves a few straightforward steps:
Wait for the issuing bank to assess your application. If approved, follow the in-app instructions to activate your card.
Issued with established banking partners
Your Shopping 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
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
Shopping Online or In-Store? Here's How Card Payments Work
A shopping credit card lets you pay for eligible purchases on e-commerce websites, brand websites, and at physical retail stores. The payment process depends on where you shop, but it generally involves selecting your card, completing authentication, and confirming the transaction. For online purchases, select credit card payment at checkout and enter the requested card details. Your bank may ask you to check the transaction through an OTP or another authentication method. Some websites also let you save your card details for future purchases. Only save this information on platforms you trust. At physical stores, you can usually tap, insert, or swipe your card at a compatible payment terminal. Depending on the card and terminal, you may need to enter your PIN or complete another verification step. Online shopping with credit cards may also offer rewards, discounts, or promotional benefits on eligible purchases. However, these benefits can vary by card, merchant, payment method, and transaction category. Some purchases may not qualify for rewards or promotional offers. Before paying, check the offer terms, minimum spend requirements, and exclusions. Review your statement after the purchase to track the transaction and confirm any applicable rewards or discounts.
Using a Credit Card Online? Follow These Simple Steps
Using a credit card online is convenient when you know how to complete a payment securely. If you're choosing the best credit card for online shopping, compare reward rates, eligible categories, merchant offers, fees, and redemption options.
Check eligible rewards
Review the card's terms to see whether the transaction qualifies for rewards, cashback, or a promotional offer.
How to Get More Value from Your Shopping Credit Card
To make the most of credit card online shopping offers, check which purchases qualify, how rewards are calculated, and what conditions apply. Uni GoldX offers 5% back on eligible shopping, food, and grocery spending and 1% back on eligible everyday online and offline spends, subject to applicable terms.
When choosing the best shopping credit card, compare rewards, fees, and redemption flexibility against your spending habits to assess the value you can realistically receive.
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Frequently Asked Questions About Shopping Credit Card
Compare reward rates, eligible shopping categories, annual fees, spending caps, exclusions, and redemption options. If you’re looking for the best credit card for shopping clothes, check rewards on your preferred fashion platforms.