Yes Bank × UniUNI GoldX
Mastercard
Yes Bank × Uni · Mastercard
UNI GoldX
Joining ₹0 · Annual ₹0 · Lifetime free
Earns Uni Coins (24K digital gold) · assumed 0.01 ₹/point. 1 Uni Coin per ₹1 spent, converting to 24K digital gold worth ~1% of spend in the Uni app. Gold value fluctuates with market price, rewards never expire
Verified 7 Aug 2026Forex markup0%
GolfNone
ConciergeNone
Domestic loungeNone
International loungeNone
EMI0% to 2% of the transaction converting afterwards, ₹299 plus GST at a merchant processing fee · A converted purchase stops earning rewards · ₹299 plus GST at a shop, or up to 2% when you convert a bill afterwards. Minimum transaction is ₹1,500 and tenures run 3 to 36 months. Closing early costs 4% of the amount being closed plus GST. · EMI and money-transfer transactions excluded
Fuel surcharge1% waiver on transactions up to ₹7,500, capped ₹500/statement cycle
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 1% | Base rate |
| Amazon | 1% | Base rate |
| Flipkart | 1% | Base rate |
| Subscriptions & OTT | 1% | Base rate |
| Offline spend | 1% | Base rate |
| UPI spending | 1% | Runs on the complimentary virtual RuPay companion card on the same GoldX account (GPay/PhonePe/Paytm). Identical 1% gold-back, with a small minimum transaction. |
| Dining | 1% | Base rate |
| Swiggy | 1% | Base rate |
| Zomato | 1% | Base rate |
| Groceries | 1% | Base rate |
| Quick commerce | 1% | Base rate |
| Swiggy Instamart | 1% | Base rate |
| Blinkit | 1% | Base rate |
| BigBasket | 1% | Base rate |
| Movies & shows | 1% | Base rate |
| BookMyShow | 1% | Base rate |
| PVR INOX | 1% | Base rate |
| Fuel | 0% | No rewards on fuel (surcharge waiver instead. ~1% fee reported on fuel swipes ≥₹10,000) |
| Travel (general) | 7% | Uncapped per Uni marketing, but rates shift with promotions · 7% gold-back on flights and 10% on hotels ONLY via the Uni Store/app. Direct or other-OTA bookings earn base 1% |
| Flights | 7% | Uses its travel rate |
| Hotels | 7% | Uses its travel rate |
| MakeMyTrip | 7% | Uses its travel rate |
| IRCTC rail | 7% | Uses its travel rate |
| International | 0% | Forex spends earn no rewards (but 0% forex markup) |
| Utilities & bills | 0% | Utility/government payments excluded |
| Rent | 0% | No Uni Coins on rent |
| Education fees | 1% | Base rate |
| Insurance premiums | 1% | Base rate |
| Government & tax | 1% | Base rate |
| Wallet loads | 0% | Wallet loads earn nothing |
| Anything else | 1% | Base rate |
| Jewellery | 1% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- 'UNI Gold UPI' is not a separate card. It's the complementary virtual RuPay credit card on the same GoldX account for UPI (GPay/PhonePe/Paytm), identical 1% gold-back rules
- 5-8% gold-back on brand vouchers (Amazon, Zomato, Myntra, MakeMyTrip) via Uni Store
- Rewards accrue as 24K digital gold. Can appreciate, never expire
- New GoldX issuance mostly routes via BOBCARD since 2025. Yes Bank remains issuer for existing accounts. Reward rules identical, fee schedules follow the issuing bank
- Up to 3 add-on cards free
Other exclusions
- EMI and money-transfer transactions excluded
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 7 Aug 2026.