Earn 1% Value Back in 24K Digital Gold with 0% Forex & Lifetime Free Onboarding
Appreciating 24K Gold Rewards, UPI Payments, and Zero Forex Travel
Free
One-time upfrontFree
Lifetime Free — no renewal fee1.00
On eligible spends0% (Zero Forex)
Cross-currency spendsLast verified 25 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The YES BANK Uni GoldX provides an exceptional dual-rail payment experience, uniting Visa's worldwide acceptance with RuPay UPI convenience under a single credit line. Its gold-backed rewards model allows users to passively build a digital gold portfolio on everyday expenses without worrying about reward expiration. With zero forex markup and Lifetime Free onboarding, it is a formidable everyday spending companion.
Earn 1 Uni Coin per ₹1 spent across retail and online purchases. 100 Uni Coins = ₹1 reward value, redeemable directly for 24K Digital Gold via Augmont or Uni Store vouchers.
Link your virtual RuPay card to UPI apps (Google Pay, PhonePe, Paytm, CRED) to earn 1% value back on merchant scan-and-pay transactions.
Enjoy 5% value back on gift cards and vouchers from top brands including Amazon, Flipkart, Myntra, Zomato, Swiggy, and Blinkit in the Uni Store, with select brands earning up to 8%.
Book flights and hotels through the Uni Store travel portal to earn an unlimited 7% value back in Uni Coins with no maximum cap and no minimum booking value.
Enjoy complete freedom from foreign exchange markups when using your primary Visa card internationally online or abroad. Note: international spends do not earn Uni Coins.
Get a 1% fuel surcharge waiver up to ₹500 per statement cycle on transactions up to ₹7,500 at all fuel stations across India. Fuel spends are excluded from Uni Coin earnings.
Zero joining fee and zero annual charges during digital onboarding via the Uni app.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Retail & Online Spends | 1% value back in Uni Coins (1 Uni Coin per ₹1 spent; 100 coins = ₹1; convertible to 24K Digital Gold) | No Cap | Fuel, rent, wallet, cash, international, EMI, govt, utility |
| Merchant UPI Payments | 1% value back on merchant UPI scan-and-pay transactions via virtual RuPay companion card | No Cap | P2P transfers, fuel, rent, wallet loads, cash advances |
| Uni Store Vouchers | 5% value back in Uni Coins on brand vouchers purchased in Uni Store (up to 8% on select promotional brands) | No Cap | Non-Uni Store purchases |
| Uni Store Flight Bookings | Unlimited 7% value back on domestic & international flight bookings through Uni Store (or lounge access option) | No Cap | Direct airline bookings outside Uni Store |
| Uni Store Hotel Bookings | Unlimited 7% value back on domestic & international hotel bookings through Uni Store | No Cap | Direct hotel bookings outside Uni Store |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Retail & Online Spends | ₹2,000 | 1% value back in Uni Coins (1 Uni Coin per ₹1 spent; 100 coins = ₹1; convertible to 24K Digital Gold) | — | None | Calculating... | Under cap |
| Merchant UPI Payments | ₹2,000 | 1% value back on merchant UPI scan-and-pay transactions via virtual RuPay companion card | — | None | Calculating... | Under cap |
| Uni Store Vouchers | ₹2,000 | 5% value back in Uni Coins on brand vouchers purchased in Uni Store (up to 8% on select promotional brands) | — | None | Calculating... | Under cap |
| Uni Store Flight Bookings | ₹2,000 | Unlimited 7% value back on domestic & international flight bookings through Uni Store (or lounge access option) | — | None | Calculating... | Under cap |
| Uni Store Hotel Bookings | ₹2,000 | Unlimited 7% value back on domestic & international hotel bookings through Uni Store | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Dual-card account: primary physical Visa card + virtual RuPay companion sharing identical credit line. Lifetime Free onboarding via Uni app (standard co-brand schedule notes ₹499 is not applicable for Lifetime Free cards). 1% value back in Uni Coins (100 coins = ₹1) on eligible spends and UPI scan-and-pay. Convertible to 24K Digital Gold (Augmont). 0% forex markup. Replacement fee: ₹199. Rental fee: 1% (min ₹199, max 3 txns/mo). Wallet fee: 1% (>₹2,000). Late fee: Nil up to ₹500; 10% or ₹1,350 whichever lower above ₹500. APR: up to 3.99% per month (47.88% per annum).
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding YES BANK Uni GoldX Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official YES BANK portal with paperless verification.
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