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!
What are the 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.
What are the differences between the UNI Card and Regular Credit Cards?
To understand better how this card works, check the comparison table between UNI Card and a regular credit card:
| 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 |
What are the fees and taxes?
Before applying for this card, it’s important that you know its charges!
| Particulars | Fee |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Carry forward fee | Up to 5.5%. |
How to apply?
If you want to apply for the UNI Credit Card, you must consider the eligibility criteria, which are as follows:
- You must be a resident of India,
- You must be aged at least 18 years,
- Check your credit score before applying.
To continue the application procedure, follow the steps:
- Go to the bank official’s website,
- Enter your phone number, name, and your email,
- Click on ‘Submit’,
- You will be redirected to another page,
- Follow the instructions on the page to apply for the Uni Card.