SimplifyCards take:A good fit if you want a card built for gold, forex, and UPI
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Best for Hotel Bookings Via Uni StoreBest for
10% back in digital gold
!
Avoid if you spend big on fuel, rent, and wallet loadsWatch out
These categories are excluded and won't earn rewards
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Good fit if you want a card built for gold, forex, and UPIBottom line
It combines a low 0% forex markup, accelerated rewards on hotel bookings via uni store, and no annual fee
Estimate your Uni Coins
Adjust your monthly spend to see the card's estimated annual value
How the card works
Uni Coins rates
| Category | Rate |
|---|---|
| All Retail Spends | 1% back in digital gold (100 Uni Coins per ₹100 spent) |
| UPI Scans On RuPay | 1% back in digital gold (100 Uni Coins per ₹100 spent) |
| Flight Bookings Via Uni Store | 7% back in digital gold |
| Hotel Bookings Via Uni Store | 10% back in digital gold |
| Brand Vouchers Via Uni Store | Up to 8% back in digital gold |
Redemption
Uni Coinsupto ₹ 0.01 per Uni Coin
Statement balanceupto ₹ 0.01 per point
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Convert Uni Coins directly into 24K digital gold or cash equivalents inside the Uni app
- 0% forex markup fee on foreign currency transactions
- 1% fuel surcharge waiver on transactions up to ₹7,50, capped at ₹500 per month
- No physical card is issued; it is a virtual RuPay credit card
Additional details
- UPI transactions require linking the RuPay card to a UPI app like Google Pay, PhonePe, or Paytm
Eligibility
Check this before you apply
Salaried
- Resident Indian citizen
- Age 21 to 60 years
Self-employed
- Resident Indian citizen
- Age 21 to 60 years
Exclusions
Spending that does not earn uni coins
- fuel spends
- rental payments
- wallet loading and top-up transactions
- educational services and school fees
- government services
- utility payments
Compare before you decide
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