Synopsis: If you are planning to buy digital gold using a credit card, this comparison between the Kredit pe Yes Bank LTF UPI Credit Card and UNI GoldX Card can be a good read as it breaks down rewards, UPI features, charges, and overall value to help you choose the better option for digital gold investments.
Digital gold investments are increasingly becoming popular among young users who want to invest in gold in a way that is easy and convenient. They can use credit cards that let them pay with UPI to buy digital gold and give rewards that are related to gold. The Kredit Pe Yes Bank LTF UPI and the UNI GoldX are two examples of credit cards that people like to use when they buy digital gold online.
Kredit Pe Yes Bank LTF UPI Credit Card
A lifetime free Rupay Credit card which is designed for users who are frequent users of UPI payments for everyday spending and want cashback style benefits. It works on the RuPay network and users can link it directly with UPI apps to use it for transactions such as purchasing digital gold.
- Fees & Charges
- Joining Fee: Nil
- Annual Fee: Nil
- Late payment and other charges applicable as per Yes Bank policy
- Forex fee 2.75%
- Interest rate of 3.99% per month (47.88% annually), on overdue amount and 2.49% per month against Fixed Deposit.
- Features
- ₹1000 as cashback as joining benefit. Cashback is not credited to bank account, it is credited to Kredit.pe Wallet.
- You earn cashback on all your UPI transactions, For every ₹100 you spend with RuPay credit card, you earn 2% cashback.
- 5% cashback on UPI spends greater than ₹25,000 per month
- 3% cashback on UPI spends less than ₹25,000 per month
- 5% cashback on digital gold purchases through Kredit.pe
- 1% fuel surcharge waiver
- Users can redeem cashback up to 70% for shopping vouchers across brands like Amazon Pay, Flipkart, Swiggy, Zomato, Zepto, Myntra, PVR, and MakeMyTrip, with discounts and offers available through the Kredit.Pe platform.
- Maximum milestone cashback: ₹1,000 every month
- Insurance cover of upto INR 50,000 against accidental damage for 6 months for mobile & electronic purchased online
- ₹10 savings on utility bill payments and mobile recharges through the app.
- No income proof or prior credit history required for the FD-backed variant
- Minimum FD requirement starts from ₹2,000 for the secured card version
- Credit limit equals 90% of FD amount
To apply for the card, please visit the Official Website
Also read: Axis Bank Airport Lounge Access 2026: Here’s the Full List of Eligible Credit Cards
UNI GoldX Card
The UNI GoldX Card is a credit card that you can use on your phone, when you use the UNI GoldX Card for everyday spending, you do not get the cash back points, instead you get rewards such as 24K gold and the value of these gold rewards can go up as time passes.
- Fees & Charges
- Joining Fee: Nil
- Annual Fee: Nil
- Forex Markup Fee: 0%
- Interest Rate: Around 3.99% per month after the interest-free period
- Interest-free period of up to 47 days
- Features
- Earn unlimited 1% rewards in the form of 24K digital gold on eligible spends
- Rewards can be converted into DigiGold through the UNI Store powered by Augmont
- Zero forex markup fee on all international transactions
- Up to 8% cashback on top brands like Amazon,MMT and Swiggy.
- Lifetime free credit card with zero joining and annual fee
- Earn gold rewards on UPI transactions as well
- Up to 5X rewards when shopping through the UNI Store
- 100% digital onboarding with approval in around 2 minutes
- DigiGold can be converted into cash or physical gold anytime
- Users get In-app controls to lock the card, manage limits, reset PIN, and view card details instantly
- Gold rewards can appreciate in value if gold prices rise over time
- Suitable for users regularly investing in small-ticket digital gold purchases and UPI spending
To apply for the card, please visit the Official Website
Comparison Table
Final Verdict : Which Card is Better for Digital Gold Buyers?
If you want to get cash back on the money you spend every day using UPI and you also buy digital gold sometimes the Kredit pe Yes Bank LTF UPI Credit Card is a choice. This card gives you cash back and it works really well with UPI, overall it is great for people who UPI payments a lot and want to get cashback on the things they buy every day. On the other hand if you want your rewards to be in the form of gold and you want to buy more digital gold over time, the UNI GoldX Card is better. This card gives you rewards, in 24K gold and you will have to pay 0% forex fee for international spends. For people who regularly buy gold and want a card that helps them invest, the UNI GoldX Card is the better option.
Written by Shreya Tiwari
