Apply for the Uni GoldX UPI Credit Card Online
Earn 24K Digital Gold rewards on everyday spends with Uni GoldX UPI credit cards.
Pay via UPI credit card and earn rewards in 24K Digital Gold
Make everyday spending more rewarding with Uni GoldX. Link your complimentary RuPay variant to any UPI apps, make merchant payments, and earn Uni Coins on qualifying transactions. Redeem your Uni Coins for 24K Digital Gold, making GoldX a rewarding credit card for UPI payments. With UPI Credit cards, merchant payments can become valuable gold rewards.
One card for every scan, every tap, every payment
A UPI-enabled credit card makes everyday payments to merchants simple and convenient. Link an eligible RuPay credit card to a supported UPI app and pay participating merchants using your credit limit. Eligible transactions appear on your credit-card statement and may earn applicable rewards.
A UPI-enabled credit card makes everyday payments to merchants simple and convenient. Link an eligible RuPay credit card to a supported UPI app and pay participating merchants using your credit limit. Eligible transactions appear on your credit-card statement and may earn applicable rewards.
The credit card for UPI payments also helps manage spending within a single monthly billing cycle while offering access to credit card benefits.
(Availability depends on the merchant, transaction type, network, app, and applicable terms.)
Get more value from every UPI spend
GoldX combines the convenience of UPI payments with rewarding credit card features. Explore UPI credit card benefits like unlimited 1% back as 24K Gold on eligible spends, eligible merchant payments, clear fees, 24K Digital Gold redemption, and secure transactions to get more value from everyday spending.
Use Credit Card for UPI Payments
GoldX lets you make eligible merchant payments through UPI, combining UPI credit card benefits with the convenience of using your credit limit for everyday eligible transactions.
Fees
GoldX has ₹0 joining and ₹0 annual fees.
UPI and Everyday Spends
Earn rewards with the GoldX credit card for UPI payments. Be it online or offline, you will get more value from everyday payments made through your credit card.
24K Gold Rewards
Earn Uni Coins on eligible spends and redeem them for 24K Digital Gold, giving your UPI rewards credit card a clear, tangible benefit.
Secure and Private
One of the key UPI credit card benefits is UPI PIN authentication, while issuer-backed security measures help protect your UPI and credit card transactions.
More reasons to choose Uni for your UPI Spends
GoldX sets itself apart by turning eligible UPI spending into rewards that can be redeemed for 24K Digital Gold. Unlike a typical UPI cashback card, eligible UPI credit card spending can help you earn Uni Coins, which you can redeem for 24K Digital Gold.
How much gold will your UPI spends earn?
Spends
Rewards
This estimate is illustrative. Actual rewards depend on eligibility, transaction type, route, merchant availability, caps, exclusions and applicable terms.
Seven Simple Steps to 24K Digital Gold
Link an eligible credit card to UPI
Ready to get Uni GoldX? Check if you’re eligible
Eligibility for UPI credit cards depends on the issuing bank’s criteria, credit assessment, and KYC requirements. Check the Uni app to view your eligibility and complete the application journey.
Ready to Apply? Keep These Details Handy
For UPI Credit cards, 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.
Enjoy Uni GoldX with No Joining or Annual Fee
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.
How to Apply for Uni GoldX UPI Credit Card?
Link the eligible RuPay credit card to a supported UPI app and start making eligible merchant payments.
Issued with established banking partners
Your UPI 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
Difference Between Visa, Mastercard and RuPay Credit Cards
Visa, Mastercard, and RuPay are card networks that differ mainly in acceptance, UPI compatibility, and payment options.
For UPI Credit cards, RuPay is relevant if you want eligible UPI merchant payments through your credit card. A credit card for UPI payments combines UPI convenience with the card’s applicable benefits. Before you apply for a RuPay credit card, compare acceptance, UPI compatibility, payment options, and applicable terms.
Where Are RuPay Credit Cards Accepted?
RuPay credit cards work at participating online and offline merchants and, for eligible cards, through supported UPI apps for merchant payments. Common uses include shopping, dining, and eligible bill payments. UPI Credit cards may not support person-to-person transfers or restricted categories. Acceptance Checklist:
Before you apply for a RuPay credit card, check merchant, app, and transaction eligibility.
How to Link RuPay Credit Card to UPI?
Linking an eligible RuPay credit card to UPI setup in a supported UPI app is simple:
Make payments
Select your linked card for eligible merchant transactions and authenticate using your UPI PIN.
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Frequently Asked Questions About UPI Credit Cards
Common questions regarding RuPay credit card rewards, compatibility, and security.
The best RuPay credit card combines high rewards on everyday merchant UPI transactions, zero annual fees, and universal acceptance. Uni GoldX offers unlimited 1% back in 24K Gold on eligible spends with lifetime ₹0 fee.