Uni Cards

NX Wave is now Gold X Credit Card
We are changing how India experiences credit. To one that’s simple, transparent, and effortless and is straight from the future. Here’s what it looks like:
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Introducing Gold X Credit Card
Earn 24K gold on every swipe with Gold X, Uni’s brand new credit card. Issued by Yes Bank in co-brand partnership with Uni Cards, the Gold X Credit Card brings you an incredible experience and value like nothing you’ve seen before.
What Gold X brings you:
> 1% 24K gold* on your spends
> 5x more value at the Uni Store
> 0% forex markup fee. Pay nothing extra on international transactions in 180+ countries
> Lifetime FREE: no annual or renewal fee
> Choice of six breathtaking colors
> Chance to get 3% Gold on completion of spend milestones
> Fuel surcharge waiver
*Not applicable on fuel purchase, rent & wallet transfers, ATM withdrawals & international transactions.
Your Gold X Credit Card is super secure:
* Stay in control: manage your card and its limits from the Uni app
* Avoid mishaps: Freeze/unfreeze your physical card if lost
* Strong on privacy: PCI-DSS certified, so your data is always safe
Note: NX Wave is now GoldX. Uni/Yes Bank will not be issuing any new NX Wave Credit Cards.

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No matter what the expenses, Uni Loans helps you cover it all
> Up to ₹6 Lakhs in loan amount
> Flexible EMI options
> Close your loan early with ZERO fee
>Paperless onboarding
> 24x7 Support
> Start in just 3 minutes!
Uni loan details -
Personal loan amount of up to 500,000
Interest rate up to 36% per annum
Choose from flexible loan tenures range from 3 to 60 months
Processing fee upto 5% of disbursement amount
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.


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To know more, you can always check our website - www.uni.cards or send us an email to [email protected]
Office Address
Uniorbit Technologies Pvt Ltd. (Uni Cards)
No.3, B Nexus, 3rd Block, Koramangala 1A Block, SBI Colony, Koramangala, Bengaluru, Karnataka 560034
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All loans are facilitated through Uniorbit Technologies Pvt Ltd (LSP and DLA) in partnership with lending partners (RBI regulated entities) as given below.
NBFC - Kisetsu Saison Finance (India) Private Limited
NBFC - Northern Arc Capital Limited