Is Uni Card really free?

Yes, Uni Card by Uni is a lifetime free credit card with no annual or joining fee. It offers a base reward rate of 1% (up to 7%), making it a strong choice for cost-conscious users. CardTrail Score: 7.5/10.

What is the reward rate on Uni Card?

Uni Card offers a base reward rate of 1% on regular spends, going up to 7% on select categories. Rewards are earned as 24K Digital Gold + Cashback. New cardholders also get a welcome bonus of None.

Does Uni Card have airport lounge access?

No, Uni Card does not include complimentary airport lounge access.

What is the forex markup on Uni Card?

Uni Card charges zero forex markup on international transactions, making it one of the best cards for foreign currency spends. You save the typical 1.5–3.5% markup that most cards charge, plus GST on that markup.

Uni Card vs Axis Bank Horizon Credit Card — which is better?

Uni Card (CardTrail Score: 7.5/10) and Axis Bank Horizon Credit Card (Score: 8.6/10) are both rewards cards. Uni Card by Uni has a no annual fee with 1% base rewards, while Axis Bank Horizon Credit Card by Axis has a ₹3,000 fee with 2% base rewards. Use our comparison tool for a detailed side-by-side analysis.

Rewards Zero Forex

Uni Card

Uni

7.5

CardTrail Score

Very Good

out of 10

Net Value

9.0

Accessibility

10.0

Feature Depth

6.0

Bank Trust

4.5

How we score →

Compare This Card Full Details

Annual Fee

Free

Lifetime free

Forex Markup

No extra charge

Reward Rate

Up to 7%

Lounge Access

domestic | 0 intl

About This Card

Uni Card (now Gold X) is a lifetime free RuPay credit card that gives 1% back as 24K digital gold on all spends, with up to 7% back on flights via Uni Store. The zero forex markup is a rare perk for a free card. Issued through YES Bank or Bank of Baroda.