Uni GoldX Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- Uni GoldX has no complimentary domestic airport lounge access.
- Uni GoldX has no complimentary international airport lounge access.
0%Forex markup
Best for
Gold, Forex, UPI
Top rewards
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
Kiwi Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- Kiwi Neon milestone: 3% cashback on eligible yearly Kiwi App spends of ₹50,000 + 1 lounge access
- Kiwi Neon milestone: 4% cashback on eligible yearly Kiwi App spends of ₹1,00,000 + 1 lounge access
- Kiwi Neon milestone: 5% cashback on eligible yearly Kiwi App spends of ₹1,50,000 + 1 lounge access
3.5%Forex markup
Best for
UPI, Lifetime Free, Cashback, Kiwi
Top rewards
Eligible UPI Spends Via Kiwi: 1.5% cashback
| Feature | Uni GoldX Credit Card | Kiwi Credit Card |
|---|---|---|
| Issuer | YES Bank | YES Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Uni Coins | Cashback And Reward Points |
| Best for | Gold, Forex, UPI | UPI, Lifetime Free, Cashback, Kiwi |
| Top reward categories | 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 | Eligible UPI Spends Via Kiwi: 1.5% cashback |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 0% | 3.5% |
| Milestone benefits | Not Listed | Kiwi Neon milestone: 3% cashback on eligible yearly Kiwi App spends of ₹50,000 + 1 lounge access, Kiwi Neon milestone: 4% cashback on eligible yearly Kiwi App spends of ₹1,00,000 + 1 lounge access, Kiwi Neon milestone: 5% cashback on eligible yearly Kiwi App spends of ₹1,50,000 + 1 lounge access |
| Redemption | Statement credit: upto ₹ 0.01 per point | Statement credit: upto ₹ 1 per point |
| Key exclusions | fuel spends, rental payments, wallet loading and top-up transactions, educational services and school fees, government services, utility payments | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |