This Credit Card Offers Free Lounge Access for Whole Family or Unlimited 7% Back on Flights - Are You Eligible for the Card?
The UNI GoldX Credit Card offers a travel benefit that differs from the conventional airport lounge access available on many credit cards. Instead of a fixed number of complimentary lounge visits reserved for the primary cardholder, eligible flight bookings through the Uni Store allow cardholders to choose between complimentary lounge access for all travellers on the booking or unlimited 7% back on airfares. Issued in partnership with BOBCARD, the lifetime-free credit card also offers rewards in the form of Uni Coins that can be converted into 24K digital gold, benefits on selected brand vouchers and zero forex markup on eligible international transactions.
UNI GoldX Credit Card : Airport Lounge Access
The UNI GoldX Credit Card offers complimentary airport lounge access linked to eligible flight bookings made through the Uni Store. According to Uni, the benefit covers eligible travellers, with no stated cap on the number of lounge visits or travellers. Unlike conventional credit card lounge programmes, which may have fixed visit limits or spending requirements, this benefit is linked to eligible flight bookings. Its key features include:
Access for eligible travellers: Lounge access can extend to eligible travellers included in the flight booking.
Booking requirement: Flight tickets must be booked through the Uni Store to qualify.
Choice of benefit: Cardholders can choose complimentary lounge access or unlimited 7% back on airfares.
No stated cap: Uni advertises no cap on lounge visits or the number of eligible travellers.
The booking process, participating lounges, airport coverage and applicable conditions should be checked in the Uni app before booking.
How Does UNI GoldX Credit Card’s Lounge Access Benefit Work?
When booking an eligible flight through the Uni Store, cardholders can select their preferred benefit: complimentary lounge access for eligible travellers or unlimited 7% back on airfares. The choice allows them to prioritise lounge access or airfare rewards, depending on their travel needs and the applicable booking terms.
Joining Fee/Annual Fee: ₹0 (lifetime free)
Rewards & Benefits:
Earn unlimited 1% back on eligible transactions, including Scan & Pay UPI, POS and online/offline transactions.
Convert eligible UNI Coins into 24K DigiGold through the Uni app, subject to applicable redemption terms.
Earn up to 8% back on selected brands through vouchers available on the UNI Store.
Get 50% back on PVR and INOX movie tickets every month, subject to a minimum monthly card spend of ₹10,000 and applicable terms.
Earn unlimited 7% back on eligible domestic and international flight bookings through the UNI Store, with no minimum spend or reward cap.
Earn unlimited 7% back on eligible hotel bookings through the UNI Store, with no minimum spend or reward cap.
Choose complimentary airport lounge access for all eligible travellers on a flight booking or unlimited 7% back on airfares, subject to applicable booking conditions.
Get a 1% fuel surcharge waiver, with savings of up to ₹500 per billing cycle, subject to applicable conditions.
Redeem eligible gold rewards as DigiGold, with further redemption options subject to the applicable terms.
Airport Lounge Benefits:
Get complimentary lounge access for eligible travellers on qualifying flight bookings made through the UNI Store.
Enjoy no stated cap on lounge visits or the number of eligible travellers under the advertised offer.
Choose between complimentary lounge access and unlimited 7% back on eligible flight bookings.
International Benefits:
Enjoy zero forex fees on eligible international transactions.
Use the card in more than 180 countries, as advertised by Uni.
UPI Benefits:
Get a complimentary virtual RuPay credit card that supports eligible merchant payments through UPI apps.
Earn 1% back on eligible Scan & Pay UPI transactions, subject to the applicable rewards terms.
App Features:
Manage the card digitally through the Uni app.
Access card-related services and reward redemption through the app.
To apply for the card, please visit the Official Website
Also read: HSBC Live+ vs PhonePe SBI Card SELECT BLACK: Which Credit Card Offers Better 10% Rewards in 2026?
Things to Know Before Applying
Before applying for the UNI GoldX Credit Card, prospective cardholders should review the terms and conditions governing its rewards, lounge access and other benefits.
Lounge access: Check eligible flight bookings, participating lounges and the process for selecting complimentary access.
Reward eligibility: Review the transactions eligible for 1% rewards and the conditions applicable to flight, hotel and brand-voucher offers.
Movie benefits: The 50% back offer on PVR and INOX tickets requires a minimum monthly card spend of ₹10,000 and is subject to applicable terms.
International transactions: Although the card advertises zero forex markup, check the applicable terms for any other charges.
Reward redemption: Review the current UNI Coins and DigiGold redemption rules before relying on the advertised gold-related benefits.
Is the UNI GoldX Credit Card Worth Considering?
The UNI GoldX Credit Card could be worth considering for users looking for a lifetime-free credit card with travel-related benefits, UPI rewards and zero forex markup. Its option to choose between complimentary airport lounge access for eligible travellers and 7% back on eligible flight bookings may appeal to frequent flyers. However, cardholders should review the applicable terms for lounge access, reward eligibility and redemption before applying. The card’s overall value will depend on individual spending habits and how frequently its travel and other benefits are used.