Uni Credit card: Best features, benefits, fees, charges

Uni Credit 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.

Uni 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.

Uni Card – The Pay 1/3 Card

The Uni Card allows you to pay your monthly credit card bills in three parts. This payment can be made over a period of three months. There is no fee levied for spreading out the payment over the three months.

Features and Benefits of the Uni Card – The Pay 1/3 Card

  • 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 [email protected] 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.

Eligibility Criteria for Uni Card – The Pay 1/3 Card

  • You have to be at least 18 years of age.
  • You have to provide your true and authentic identity card, age, and other details.

Documents Required to Apply for the Uni Card – The Pay 1/3 Card

  • Proof of ID
  • Proof of address
  • Income proof documents

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.

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

Uni Card – The Pay 1/3 Card Customer Care

  • Level 1:

You can call the toll-free customer care number at 080 68216821.

  • Level 2:

If you are not satisfied with the response from Level 1, you can call +91 22 7120 9091. You can also send an email to [email protected].

  • Level 3:

You can contact the bank’s Nodal officer if the response from level 2 has not solved your query.

FAQs on Uni Card – The Pay 1/3 Card

  1. Does Uni Cards also have co-branded credit cards?Yes, Uni Cards Card has two co-branded credit cards – The Uni RBL Prepaid Card and the Uni-SBM Prepaid Card.
  2. What happens if I make the payment in one month?If you make the payment in full in one month, you get 1% cashback.
  3. Where can I apply for the Uni Card?You can visit https://www.uni.cards/apply to apply for the Uni Card

Uni Pay 1/3 Credit card Benefits:

.Uni Pay 1/3rd Card is exclusively made to help you pay in 3 parts for no extra charges. Backed by Visa, Uni Pay 1/3rd Card is accepted at 99% of the places across the country that accept credit/debit cards. Yes, that’s true now spend anywhere and everywhere with your Uni Card and just Pay 1/3rd.

Pay 1/3rd. It’s possible, it’s better.

What you’ll love about Uni?

1. Pay 1/3rd for all your transactions – Divide your spends in 3 parts for 3 months for no extra charges. A bill of ₹15000 is divided into 3 payments of ₹5000 for the next three months.

2. Get 1% rewards when you Pay in Full – You can also choose to pay in full like usual post 30 days free credit period & enjoy 1% rewards.

3. Convert your transactions to 6/9/12/18+ EMIs (Coming soon) – Take all the time you need. Choose affordable longer EMI plans for your spends.

4. Nothing is hidden here – 100% Money back guarantee incase a charge or fees is applied without your knowledge.

5. Instant card within minutes – Get a card instantly for paying online till your physical card arrives.

Oh wait, there’s more 🙂

6. Easy Card controls: Easily manage and track your online/offline & contactless payments & set your limits for every transaction.

7. Flexible repayment options: Choose the option to carry forward some amount to the next bill by paying a nominal Carry Forward Fee.

8. Bill reminders: Get multiple bill reminders before your Due Date to avoid being charged Late Fee.

9. One-click Card lock: Lock your card instantly in case of emergency. Unlock easily via app when needed.

10. 24×7 Customer support: Our team of experts is always here to help you out. Reach us via WhatsApp, email or call and we’ll be happy to assist you.

Make Uni Pay 1/3rd Card yours,

It just takes a few mins. The application is in 3 parts –
1. Check Eligibility: Give us a few details & check if you’re eligible for our card
2. Submit KYC: Complete paperless KYC
3. Get Card: Instantly get your digital card & start spending online

All these exciting features and more await you. Download the Uni app now and Pay 1/3rd, get rewards, longer term EMIs and more.

News About UNI Cards

Food ordering is a significant spending category on Uni CardsThe ‘Buy now pay later’ (BPNL) market in India will rise from $3-3.5 billion to $45-50 billion by 2026 according to a 2021 report by RedSeer Management Consulting. Uni Cards’ ‘Pay 1/3 card’ has brought a new dimension to the BPNL ecosystem. The ‘Pay 1/3 card’ divides your payment into three equal instalments that can be paid over the following three months.If you pay the complete amount in the first month, you will earn a 1% payback. Users of Uni Cards spend the most money ordering food both online and offline.

Why should you apply for a UNI card?

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.

Can we withdraw cash from UNI card?

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

What is the limit for a UNI card?

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