# Uni: GoldX & UPI Credit Card Android app · by Uni Cards · Finance Uni: GoldX & UPI Credit Card has 14,556,723 installs (+0.3% this week), rated 3.5 from 194,503 ratings, \#351 of 129,664 in Finance. ## Figures - Installs: 14,556,723 - Rating: 3.5 · 194,503 ratings - Price: Free - In-app purchases: no - 7-day growth in installs: +43,118 (+0.3%) - Rank: #8,732 of 2,779,708 Android listings with an install count (down 18 since 2026-10-25) - Rank: #351 of 129,664 in Finance ## Reviews - Ratings by stars: 5★ 55% · 4★ 5% · 3★ 5% · 2★ 5% · 1★ 32% (194,502 ratings) ## Description Meet GoldX - the lifetime free credit card that turns spends into 24K Digital Gold. ✈️ 7% BACK IN A TRAVEL CREDIT CARD Get unlimited 7% back on flight & hotel bookings via Uni Store. 🛋️ LoungeTogether: LOUNGE ACCESS FOR EVERY TRAVELLER Booking a flight at Uni Store? Your GoldX lounge access credit card benefits include: 7% back on your booking OR LoungeTogether - complimentary lounge access for every traveller on the booking. 🌎 ZERO FOREX FEE CREDIT CARD Use GoldX internationally across 180+ countries with zero forex fee. 🛍️ 5% BACK ON SHOPPING, FOOD & GROCERIES As a shopping credit card, get 5% back on vouchers for Amazon, Flipkart, Swiggy, Myntra & 200+ merchants on Uni Store. 🎬 50% BACK ON MOVIES As a movie credit card, get 50% back on PVR, INOX & Cinepolis vouchers via Uni Store, up to ₹250 every month. 📱 1% BACK ON UPI Enjoy a complimentary GoldX RuPay credit card. Scan & pay, and earn a flat 1% back on all your merchant UPI payments. ⛽ 1% FUEL SURCHARGE WAIVER Get a 1% fuel surcharge waiver with this fuel credit card with a maximum waiver of ₹500 per statement cycle. 💳 REWARDS ON EVERYDAY SPENDS Earn 1% back on eligible online/offline GoldX card spends, including insurance and jewellery. ⚜️ TURN YOUR REWARDS INTO 24K GOLD CREDIT CARD GoldX rewards are earned as Uni Coins. 100 Uni Coins = ₹1 Convert Uni Coins into 24K Digital Gold directly inside the Uni app. This Gold is backed and secured by Augmont. Track Gold in both grams & ₹ value in the GoldX vault. Sell this Gold for cash or mint into a physical Gold coin with Zero Making Charges. 🙌 LIFETIME FREE CREDIT CARD 🔒 MANAGE GOLDX FROM THE UNI APP • View card details & set transaction limits • Lock or unlock your card • Reset your card PIN • Manage your GoldX Vault ✅ HOW TO GET GOLDX Download Uni app and check eligibility. Complete KYC digitally. Once approved, activate GoldX & GoldX RuPay GoldX is offered in partnership with YES BANK & Bank of Baroda. The gold rewards credit card issuance is subject to eligibility, applicable bank policies and terms. ⚠️ REWARD EXCLUSIONS Rewards may not apply to money transfers, rent, fuel, cash withdrawals, wallet loads, international transactions, EMI transactions, utilities and government services. International transactions are ineligible for rewards. ➡️Loans, Credit Score Improvement & more ✅Need money? Explore personal loan offers of up to ₹20 lakh from multiple lending partners. Rates starting from 9.9% p.a.\* ✅Too many EMIs? Consolidate multiple high-interest repayments & turn them into a single low-interest EMI. ✅Want stronger credit? Get free AI-powered insights into your credit profile, understand what may be holding your score back with clear next steps. ➡️Uni Loans Travel, home renovation or a bigger expense? ⭐️Get up to ₹6 Lakhs in loan amount ✅Flexible EMI options 📁Close your loan early with ZERO fee 🧑🏻‍💻Paperless onboarding Example of How Uni Personal Loan works: Loan Amount = ₹51,000 Disbursement Amount = ₹50,000 Tenure = 36 months Interest rate = 18% p.a Processing fee = ₹1000 APR\* = 19.43% EMI = ₹1844 Total Interest Payable = ₹1,844 x 36 months - ₹51,000 = ₹15,384 Total Amount Payable = ₹1,844 x 36 months = ₹66,384 \*Note: These numbers are for representation purposes only. Final APR will depend on the customer's credit assessment. \*APR (Annual Percentage Rate) is the total cost you'll pay for borrowing money over a year. It includes the interest rate plus any fees charged by the lender. APR gives you a clear picture of how much a loan will really cost you. 🎖All loans are facilitated through Unirewards Technologies Pvt Ltd (LSP and DLA) in partnership with lending partners (RBI regulated entities) as given below: NBFC - Northern Arc Capital Limited Office address: Unirewards Technologies Pvt Ltd. (Uni Cards) No.3, B Nexus, 3rd Block, Koramangala 1A Block, SBI Colony, Koramangala, Bengaluru, Karnataka 560034 To know more, check our website 🌐www.uni.cards Or send us an email to 📧care@uni.club --- Source: https://storetally.com/android/cards.uni.app.credit As of 2026-11-05, from the StoreTally census.