UNICARD
Credit Card

• Repayment: Pay full of 1/3rd for consecutive 3 billing cycles.
• Annual fee: Nil.
• Joining fee: Nil.
• Bill payment time: 10 days.
• Rewards:1% cashback on full bill payment.
• Minimum amount due: 7.5% of the total outstanding principal.
• Carry forward fee: Up to 5.5%.
• Card freeze: 6 months of not using the card.
• Late payment fee: As per the slabs of bill payment amount. No interest charged on late bill payment.

The UNI Pay 1/3rd card was launched by Uniorbit Technologies (UNI), in partnership with the RBL Bank, State Bank of Mauritius (SBM), and Liquiloans. It is not like a traditional credit card where your interest starts accumulating from the first billing cycle’s payment date. With this card, you can spend anywhere and pay 1/3rd of your bill on groceries & essentials, emergency & bills, fashion sale, or even on party. Pay your monthly spend in 3 parts in 3 months without any extra charges.

• No joining fee and no annual charges for UNI Beta customers.
• Pay your monthly spend in 3 parts in 3 months without any extra charges.
• You can opt to pay in full after the 30 days free credit period and get 1% rewards in the form of cashback. 
• UNI Card issues a credit limit between Rs. 20,000 to Rs. 6 Lakhs that may be best for first-time customers.
• The feature of splitting your spends into longer EMIs is coming soon, where you can have longer and affordable EMI plans from 6, 9, 12, and 18+ months.
• Uni Pay 1/3rd card is accepted at over 99.9% of the merchants across India that accept credit or debit cards.
• Feature of using your credit line to easily scan & pay at your favorite stores coming soon.
• 100% money back guarantee if UNI charges any fee without your knowledge.
• The UNI customer care team can be reached through email at care@uni.club or Whatsapp at 080 68216821.
• The UNI systems ensure complete data safety, security and encryption so that no one can access it.
• The app can be downloaded from Google Play and App Store.

• Carry forward fee: Up to 5.5%.
• Late payment fee: As per the slabs of bill payment amount. No interest charged on late Credit Card bill payment.

Here are the eligibility criteria for UNI Card:

• You must be a resident of India.
• You must be aged at least 18 years.
• Check Cibil score for credit card before applying.

Here is the comparison table between UNI Card and regular credit card: