Uni Cards app analytics for December 22

Introducing GoldX - India’s first Gold-back credit card. Time to ditch confusing points and short-lived cashback. With GoldX, your everyday spends turn into 24K Digital Gold - a reward that lasts. This is a revolution in credit card rewards - far simpler, richer, and built around real value. Brought to you in partnership with Yes Bank & Bank of Baroda. Why Gold as rewards? It work as an investment It appreciate in value over time It never expires, unlike other rewards Where does GoldX reward you: Flights Unlimited 7% back on all flight bookings via Uni Store. No minimum spend. No capping. Shopping, Groceries, Food 5% back on Amazon, Flipkart, Myntra, Zomato, Swiggy, BigBasket, Nykaa, TataCliQ via vouchers on Uni Store. + Up to 8% back on many more popular merchants. UPI Unlimited 1% back on scan & pay Online/offline spends Unlimited 1% back, including insurance & jewellery Zero Forex Fee Use GoldX in 180+ countries with zero additional fee. 100% Lifetime Free Zero joining fee. Zero Annual Fee How GoldX rewards work: You earn Uni Coins on spends where 100 Uni Coins = ₹1 For example, book flights worth ₹1 Lakh, you will get 700,000 Uni Coins. Which is value back of ₹7000. Convert Uni Coins to 24K Digital Gold instantly inside the Uni app. Your GoldX Vault shows both grams and ₹ value, so you always know how much real value you’ve built. Convert this Gold to cash of equal value or mint into a physical gold coin with ZERO making charges. Reward Exclusions Money transfers, rent, fuel, cash withdrawals, wallet loads, international txns, EMI, Utilities & Govt services. There are no rewards on forex transactions. How does GoldX on UPI work? GoldX is a dual-network card. You get a primary VISA or MASTERCARD variant. Along with that, users can request to issue a complementary RuPay variant from the Uni app. This is a virtual card and can be added to any UPI app - GooglePay, PhonePe, Paytm etc. Is it safe & secure? 24K Digital Gold in the Uni app is backed & secured by Augmont, one of India’s most trusted gold platforms. Stay in control: View & copy your card details from the Uni app Manage & set its transaction limits Lock your physical card anytime Reset your card PIN How to get started: Install the Uni app and check your eligibility for GoldX. Complete KYC digitally Once approved, activate your GoldX card (and your RuPay virtual companion for UPI). Spend, earn, convert - watch your 24K Gold grow. —-------------------------------------- Uni Loans Travel, home renovation or a bigger expense? Get up to ₹6 Lakhs in loan amount Flexible EMI options Close your loan early with ZERO fee Paperless onboarding 24x7 Support Start in just 3 minutes. Example of How Uni Personal Loan works: Loan Amount = ₹51,000 Disbursement Amount = ₹50,000 Tenure = 36 months Interest rate = 18% p.a Processing fee = ₹1000 APR* = 19.43% EMI = ₹1844 Total Interest Payable = ₹1,844 x 36 months - ₹51,000 = ₹15,384 Total Amount Payable = ₹1,844 x 36 months = ₹66,384 *Note: These numbers are for representation purposes only. Final APR will depend on the customer's credit assessment. *APR (Annual Percentage Rate) is the total cost you'll pay for borrowing money over a year. It includes the interest rate plus any fees charged by the lender. APR gives you a clear picture of how much a loan will really cost you. All loans are facilitated through Uniorbit Technologies Pvt Ltd (LSP and DLA) in partnership with lending partners (RBI regulated entities) as given below: NBFC - Northern Arc Capital Limited —-------------------------------------- Office address - Uniorbit Technologies Pvt Ltd. (Uni Cards) No.3, B Nexus, 3rd Block, Koramangala 1A Block, SBI Colony, Koramangala, Bengaluru, Karnataka 560034 To know more, check our website www.uni.cards Or send us an email to care@uni.club