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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.
Here are the eligibility criteria for UNI Card:
Here is the comparison table between UNI Card and regular credit card:
Payment | Full or 1/3rd of the bill in 3 consecutive months | Full or conversion into EMIs for select payments |
Annual & joining fee | Nil | Usually up to Rs. 1,000, depending on the card type |
Bill payment time | 10 days | 10 to 15 days |
Minimum amount due | 7.5% of total outstanding bill | 5% of total outstanding bill |
Rewards | 1% cashback on full payment | 2% to 5%, depending on the card type |
Card freeze | After 6 months of non-usage | Valid till expiry date of the card |
Carry forward fees | Up to 5.5% | Interest is charged only on unpaid amount |
Late payment fee | As per slabs of bill amount | Depends on the card type |
Late payment interest | Nil | As applicable |
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With this card, you can spend anywhere and pay 1/3rd of your bill in 3 parts in 3 months without any extra charges.
No, you cannot withdraw cash from any ATM using a UNI card.
UNI Card issues a credit limit between Rs. 20,000 to Rs. 6 Lakhs.
Additional Reading: Check CIBIL Score by Pan Card