Eligible spend
1% of spend credited as Uni Coins
YES MASTERCARD
Uni GoldX
Should you get this?
Strong fit
Why this card
- Forex markup is listed as 0%.
- You want a lifetime-free card.
Trade-off
No material trade-off is resolved yet; verify issuer terms before applying.
Annual fee ₹0 no annual fee currently listed
Digital gold rewards 1% back in digital gold
Lounge access 0 no lounge
Forex markup 0% zero forex
Compare with HSBC India Live+ →
Similar low-forex profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1%Uni Coins convertible to 24K digital goldNot stated
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getRealisation
Uni Coins convertible to 24K digital gold
Value
Value varies with the gold price
Warnings
Not statement cashback · No fixed ₹/coin value asserted · Gold value can rise or fall
Costs & fees
Eligibility
Applicant class · age · incomeReported criteria · as stated by sources
Self-employed applicant
- Annual ITR
- Above ₹7,50,000
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ₹50,000 of fully eligible spending corresponds to rewards credited at 1% of spend before subsequent gold-price movement. Value varies with the gold price.
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- International (cardholder)
- Not included on base card Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Guest visits
- Separate guest allowance YES Private Prime Cardmember can avail 4 complimentary guest visits per calendar year. 4 Complimentary guest visits allowed is sum of Domestic and International per calendar year.
Rewards
- Earn rate
- 1% of eligible spend credited as Uni Coins
- Reward delivery
- Convertible to 24K digital gold
- Value
- Value varies with the gold price
Fees & charges
Fees
- Monthly interest rate
- 3.99% / month
- Annual fee
- ₹0
- Joining fee
- ₹0 · verified 6 Jul 2026
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 0%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- PaisaBazaar
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived.
- Maximum waiver ₹500 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹0.
- Forex markup currently listed at 0%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 0%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
No joining, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.
Learn more
Guides matched to this card — not a random syllabus.
- Cashback vs points
When simple cash beats flashy miles - Forex markup bands
0% vs 3.5% — which cards publish what - Billing cycle
Statement date vs due date, clearly