Hello,

Guest!

Updated:

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.

Tip: Check Credit Score before applying for a credit card

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.

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: Check Slice Credit Card in detail.

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 Credit Card bill payment.

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

View and improve your credit score - for free.

Know how good your score is

Get insights on how to improve it

Unlock offers as per your score

chart_15f235bf64.svg

The best offers from India’s most
trusted banks

unicard.png
small_SBI_Bank_8169128416.png
HDFC-Bank.png
indusind-bank.png

Best Rewards Credit Cards

Earn max rewards & redeem for cash back, value back offers, discounts & exclusive deals.

UNI Credit Card FAQs.

Why should you apply for a UNI card?

image
  • 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?

image

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?

image

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

What is the limit for a UNI card?

image

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

Additional Reading: Check CIBIL Score by Pan Card