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
Klick RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
2.75%Forex markup
Best for
UPI, Virtual Card, Lifetime Free, Co-Branded
Top rewards
UPI Transactions Above ₹2,000: 4 YES Rewardz Points / ₹200 spent on UPI transactions above ₹2,000; Other Retail Spends: 2 YES Rewardz Points / ₹200 spent
| Feature | Uni GoldX Credit Card | Klick RuPay 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 | YES Rewardz Points |
| Best for | Gold, Forex, UPI | UPI, Virtual Card, Lifetime Free, Co-Branded |
| 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 | UPI Transactions Above ₹2,000: 4 YES Rewardz Points / ₹200 spent on UPI transactions above ₹2,000; Other Retail Spends: 2 YES Rewardz Points / ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 0% | 2.75% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.01 per point | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.25 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 |