The UNI Pay 1/3rd card is provided by Uniobit Technologies (UNI), in partnership with the RBL Bank, State Bank of Mauritius (SBM), and Liquiloans. 

This card has an extraordinary feature: by using it, you can spend anywhere and pay 1/3rd of your bill on groceries & essentials, emergencies & bills, fashion sales, or even on parties. Pay your monthly spend in 3 parts in 3 months without any extra charges.

Interested? If you want to know more about the Unicard Credit Card, keep reading!

Features and Benefits

The benefits offered by this card are:

• 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,
• If you pay in full, post the 30 days free credit period, you’ll earn 1% of cashback,
• UNI Card issues a credit limit between Rs. 20,000 to Rs. 6 Lakhs which 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 by 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.

Differences between the UNI Card and Regular Credit Cards

Card	UNI Card	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
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 the 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

Eligibility Criteria

If you want to apply for the UNI Credit Card, you must consider the eligibility criteria, which are as follows:

Criteria	Description
Age Policy	You must be aged 18 years old or above,
Adress	You must qualify as an Indian resident
Credit Bureau History	You are expected to have a good credit bureau score and no evidence/history of defaulting on loans or missing payments on loans or credit cards. The Credit Bureau Score is an indicator of how likely a customer is to repay outstanding bills on time,

To continue the application procedure, follow the steps:

1. Go to the bank official’s website, 
2. Enter your phone number, name, and your email,
3. Click on ‘Submit’,
4. You will be redirected to another page,
5. Follow the instructions on the page to apply for the Uni Card.

Fees and taxes

Particulars	Fee
Joining Fee	Nil
Annual Fee	Nil
Carry forward fee	Up to 5.5%.