{"id":8619,"date":"2026-05-19T22:14:36","date_gmt":"2026-05-19T16:44:36","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=8619"},"modified":"2026-05-19T23:02:53","modified_gmt":"2026-05-19T17:32:53","slug":"kredit-pe-yes-bank-ace-credit-card-vs-uni-goldx-card-which-card-helps-you-earn-more-on-digital-gold-purchase","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/kredit-pe-yes-bank-ace-credit-card-vs-uni-goldx-card-which-card-helps-you-earn-more-on-digital-gold-purchase\/","title":{"rendered":"Kredit.Pe YES Bank Ace Credit Card vs UNI GoldX Card: Which Card Helps You Earn More on Digital Gold Purchase?"},"content":{"rendered":"\n
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Synopsis: <\/em><\/strong>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.<\/em><\/p>\n<\/blockquote>\n\n\n\n

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 <\/strong>and the UNI GoldX<\/strong> are two examples of credit cards that people like to use when they buy digital gold online.<\/p>

\"scapia<\/a><\/div>\n\n\n\n

Kredit Pe Yes Bank LTF UPI Credit Card<\/a><\/strong><\/h2>\n\n\n\n
\"Kredit.Pe<\/a><\/figure>\n\n\n\n

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.<\/p>\n\n\n\n

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  • Fees & Charges<\/strong>\n
      \n
    • Joining Fee:<\/strong> Nil<\/li>\n\n\n\n
    • Annual Fee:<\/strong> Nil<\/li>\n\n\n\n
    • Late payment and other charges applicable as per Yes Bank policy<\/li>\n\n\n\n
    • Forex fee 2.75%<\/li>\n\n\n\n
    • Interest rate of 3.99% per month (47.88% annually), on overdue amount and 2.49% per month against Fixed Deposit.<\/li>\n<\/ul>\n<\/li>\n\n\n\n
    • Features<\/strong>\n
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      • \u20b91000 as cashback as joining benefit. Cashback is not credited to bank account, it is credited to Kredit.pe Wallet.<\/li>\n\n\n\n
      • You earn cashback on all your UPI transactions, For every \u20b9100 you spend with RuPay credit card, you earn 2% cashback.<\/li>\n\n\n\n
      • 5%<\/strong> cashback on UPI spends greater than \u20b925,000 per month <\/li>\n\n\n\n
      • 3%<\/strong> cashback on UPI spends less than \u20b925,000 per month <\/li>\n\n\n\n
      • 5%<\/strong> cashback on digital gold purchases through Kredit.pe<\/li>\n\n\n\n
      • 1% fuel surcharge waiver<\/li>\n\n\n\n
      • 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.<\/li>\n\n\n\n
      • Maximum milestone cashback: \u20b91,000 every month<\/li>\n\n\n\n
      • Insurance cover of upto INR 50,000 against accidental damage for 6 months for mobile & electronic purchased online<\/li>\n\n\n\n
      • \u20b910 savings on utility bill payments and mobile recharges through the app.<\/li>\n\n\n\n
      • No income proof or prior credit history required for the FD-backed variant<\/li>\n\n\n\n
      • Minimum FD requirement starts from \u20b92,000 for the secured card version<\/li>\n\n\n\n
      • Credit limit equals 90% of FD amount<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

        To apply for the card, please visit the Official Website<\/strong><\/a><\/p>