Gold X Credit Card from Uni

[SJM]

While SBM Uni NX Wave is being discontinued, they are coming up with an upgrade to ⚜ Gold X credit card.



🤩 The Wave just got a Gold upgrade

Your 🌊 SBM Uni NX Wave credit card will be discontinued shortly.

However, you are eligible for an upgrade to ⚜ Gold X credit card.

✅ Earn 1% Gold on every transaction.

Plus, get a stack of other exciting benefits:

🛍 5% Gold on Amazon & more.
🌐 ZERO Forex Markup Fee
✈ 5% Gold on Flights*
🌟 1% Gold on UPI*
*Coming soon

All this, and it's Lifetime Free. Coming to you in just 30 days.

Team Uni

 

[PrinceHeart]

Card just arrived. Few pics for you all



Cheque book wala style hai.

 

[suryatejad]

So tell as much info as possible please. Did the Uni app automatically redirect your Gold X card application to the BOB variant and not Yes Bank? CIBIL/credit bureau enquiry was by BOB? During card application, do we see which bank's Gold X card we are applying for? Before or after the credit bureau enquiry? Some screenshots would be appreciated. Do they make sure our card application doesn't go to Yes Bank to prevent an unnecessary credit bureau if we already have a Yes Bank credit card?

Yes , When i applied first time more than a 1 month ago I got option to apply in uni app, which also informed through WhatsApp, I applied but got in hold due to my existing relationship with yes bank. At that time bob bank was not in uni card. Later after 2 weeks I got apply option again in uni app which also went to hold. Till then it showed only yes bank varaint I'm getting. But few days back i got the same notification from uni app. In application it showed BOB bank, the entire application was through uni app, except an otp from bob bank all are through uni. Basic details and occupation details , Adhaar details and address verificatin, vkyc all done trough uni app. All three times i got Cibil and Crif highscore credit score hit. I received messages from CIBIL and crif. Last two attempts Cibil hit from yes bank, last time it was from bob, both cibil and crif. Unfortunately I don't have any screenshots saved

 

[suryatejad]

View attachment 98934
Looks like I will have to find another 0 forex card now

Wait for a month , if your credit score is good, and earlier has uni card, you will definitely get it

 

[Gau₹av]

Yes , When i applied first time more than a 1 month ago I got option to apply in uni app, which also informed through WhatsApp, I applied but got in hold due to my existing relationship with yes bank. At that time bob bank was not in uni card. Later after 2 weeks I got apply option again in uni app which also went to hold. Till then it showed only yes bank varaint I'm getting. But few days back i got the same notification from uni app. In application it showed BOB bank, the entire application was through uni app, except an otp from bob bank all are through uni. Basic details and occupation details , Adhaar details and address verificatin, vkyc all done trough uni app. All three times i got Cibil and Crif highscore credit score hit. I received messages from CIBIL and crif. Last two attempts Cibil hit from yes bank, last time it was from bob, both cibil and crif. Unfortunately I don't have any screenshots saved

Thank you for these details. Really helps. Did it use the same wording in your case - on hold due to risk policies? That "risk policy" misled me into thinking that I am not credit worthy as per them. But your experience clears up a lot of things