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Unicard Details

  • 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.

Additional Info: Also Check How to Use Credit Cards in India?

About UNI Card

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.

Additional Info: everything you wish to know about Navi Mutual Fund in detail.

Features and Benefits of Unicard

  • 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.

Additional Info: Are you looking for Instant SBI Personal Loan

Fees and Charges of UNI Credit Card

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

You Can Apply Instant Loan Thorugh Apps

Eligibility Criteria of UNI Card

Here are the eligibility criteria for UNI Card:

UNI Card VS Regular Credit Card

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

PaymentFull or 1/3rd of the bill in 3 consecutive months Full or conversion into EMIs for select payments
Annual & joining feeNilUsually up to Rs. 1,000, depending on the card type
Bill payment time10 days10 to 15 days
Minimum amount due7.5% of total outstanding bill5% of total outstanding bill
Rewards1% cashback on full payment2% to 5%, depending on the card type
Card freezeAfter 6 months of non-usageValid till expiry date of the card
Carry forward feesUp to 5.5%Interest is charged only on unpaid amount
Late payment feeAs per slabs of bill amountDepends on the card type
Late payment interestNilAs applicable

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UNI Credit Card FAQs

Why should you apply for a UNI card?

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  • It is a reasonable card for new-to-credit (NTC) customers and for those who are not eligible for traditional credit cards due to low/unstable income. 
  • Customers get 2 months extra time to pay off the bill without interest cost as compared to regular credit cards.
  • No joining and annual fee is applicable.
  • 1% cashback on full bill payment.
  • UNI Card issues a credit limit between Rs. 20,000 to Rs. 6 Lakhs that may be best for first-time customers.

What is the use of UNI card?

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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.

Can we withdraw cash from UNI card?

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No, you cannot withdraw cash from any ATM using a UNI card.

What is the limit for a UNI card?

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UNI Card issues a credit limit between Rs. 20,000 to Rs. 6 Lakhs.