Credit cards today offer benefits beyond everyday spending, including UPI payments, rewards, airport lounge access, travel discounts and lifestyle offers. UNI GoldX and PNB Zaggle RuPay Credit Card cater to different spending preferences, with UNI GoldX focusing on DigiGold rewards and zero forex markup, while PNB Zaggle offers lounge access along with a range of travel, entertainment and lifestyle benefits.
UNI GoldX Credit Card
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Joining Fee/Annual Fee: ₹0 (lifetime free)
Rewards & Benefits:
- Earn unlimited 1% rewards on eligible spends through UNI Coins.
- Convert UNI Coins into 24K DigiGold powered by Augmont.
- UNI Coins are converted into DigiGold at the prevailing gold price applicable at the time of redemption.
- Earn rewards on eligible UPI merchant transactions.
- Get a complimentary RuPay virtual credit card that can be linked with UPI apps for merchant payments.
- Get 50% back (up to ₹250/month) on PVR & INOX movie tickets with a minimum monthly card spend of ₹10,000.
- Earn up to 5X rewards when shopping through the UNI Store.
- Get up to 8% back on selected partner merchants.
- Get 5% back on vouchers for brands such as Amazon, Flipkart, Myntra, Swiggy, Zomato, BigBasket, Nykaa, and Tata CliQ through the UNI Store.
- Earn unlimited 7% back on flight bookings made via the UNI Store (no minimum spend or reward cap).
- Get 1% fuel surcharge waiver on eligible fuel transactions, with savings of up to ₹500 per billing cycle.
- Convert DigiGold into cash or physical gold anytime (subject to applicable terms).
International Benefits:
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Zero forex markup fee on international transactions.
App Features:
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100% digital onboarding with instant card controls through the UNI app, including card lock/unlock, limit management, PIN reset, and card detail access.
To apply for the card, please visit the Official Website
PNB Zaggle Credit Card
- Joining Fee: ₹499 + applicable taxes
- Annual Fee: ₹499 + applicable taxes
- Annual Fee Waiver: Waived on annual spends of ₹1.50 lakh
- Card Network: RuPay Select + Visa Platinum
- Credit Limit: Single sanctioned credit limit for both cards
Reward Benefits:
- Earn 10 Reward Points on every ₹300 spent and multiples thereof
- PNB values 10 Reward Points at ₹2.50
- Rewards are applicable on eligible retail transactions as per the card’s terms and conditions
Domestic & International Lounge Benefits:
- Get 8 complimentary domestic airport lounge visits every year (2 per quarter)
- Get 2 complimentary international airport lounge visits every year
- Lounge access is available through the RuPay Select programme
Railway Lounge Benefits:
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Get 2 complimentary railway lounge visits available once per quarter through the Visa Platinum variant
Lifestyle & Entertainment Benefits:
- Get a 3-month Cult Fit Live subscription once every year.
- Enjoy a 3-month Swiggy One membership once every year.
- Receive a Prime/JioHotstar welcome benefit once per year.
- Get Buy 1 Get 1 movie tickets on BookMyShow worth up to ₹250 once every quarter.
- Receive a ₹250 Flipkart voucher under the applicable offer.
- Get a ₹250 Myntra voucher on eligible purchases.
- Enjoy a ₹100 Ola/Uber voucher as part of the lifestyle benefits.
- Get a ₹1,500 MakeMyTrip voucher on eligible bookings.
Travel & Shopping Benefits:
- Up to 15% discount on ixigo flight and hotel bookings (maximum ₹1,200 per month; minimum transaction ₹5,000)
- Visa activation voucher worth up to ₹250 on the first eligible ₹300+ transaction
- GRT Jewellers offer: ₹250 off on silver jewellery and up to ₹1,500 discount on eligible gold jewellery purchases
Personal Accident Insurance: Personal accident insurance cover of up to ₹10 lakh, subject to the applicable terms and conditions.
To apply for the card, please visit the Official Website
Illustrative Annual Value at ₹15,000 Monthly Spend
| Particulars | UNI GoldX | PNB Zaggle |
| Monthly Spend | ₹15,000 | ₹15,000 |
| Annual Spend | ₹1,80,000 | ₹1,80,000 |
| Regular Rewards | ₹100/month | ₹125/month |
| Base Reward Value | ₹1,200 | ₹1,500 |
| Shopping/Voucher Benefit | ₹3,000 | – |
| Flight Booking Benefit | ₹4,200 | – |
| Illustrative Annual Reward Value | ₹8,400 | ₹1,500 |
| Domestic Airport Lounge | – | 8/year |
| International Airport Lounge | – | 2/year |
| Railway Lounge | – | 2/year |
Note: This illustration assumes ₹15,000 monthly spending. The annual reward value is based on the stated base reward rates and selected shopping, voucher and flight-booking benefits. Actual rewards may vary depending on eligible transactions, applicable offers, spending categories, redemption terms and exclusions. PNB Zaggle lounge benefits have not been assigned a monetary value in this comparison.
Also read: YES BANK POP-CLUB Credit Card: Earn 10 POPcoins/₹100 on Online Spends, Get ₹750 Cleartrip Voucher & More for ₹399
Which Card Should You Choose?
The choice between UNI GoldX and PNB Zaggle depends on individual spending habits and preferred benefits. UNI GoldX is suitable for users looking for a lifetime-free card with UPI rewards, DigiGold redemption and zero forex markup. PNB Zaggle may suit frequent travellers who value airport and railway lounge access, along with lifestyle subscriptions such as Swiggy One and Cult.fit, travel discounts, entertainment offers and the flexibility of both Visa and RuPay networks.