Know All About Uni Cards Before you apply for one

With a UNI Credit Card, you can spread your payments across three months and pay 1/3 each month without incurring any additional fees. Customers that join UNI Beta do not have to pay a joining fee or an annual fee.

Uniorbit Technologies (UNI) partnered with RBL Bank, State Bank of Mauritius (SBM), and Liquiloans to launch the UNI Pay 1/3rd card. It’s not like a regular credit card, where interest accrues from the first payment date of the billing cycle. You can use UNI cards anywhere and pay 1/3 of your payment on groceries and essentials, emergency and bills, fashion sales, or even a party. Pay your monthly bill in three installments over three months with no additional fees.

Eligibility Criteria for UNI Pay Card:

The following are the requirements for obtaining a UNI Card:

  • You must be an Indian citizen.
  • You must be at least 18 years old to participate.
  • Before applying for a credit card, check your Cibil score.

Apply For Uni Pay Card:

The UNICARD application makes applying for a UNI Card a breeze. Both the Apple Software Store and the Google Play Store have versions of this app. This is where you may get the credit card application and download it. To authenticate the app, all you’ll need is a selfie and an Aadhar card. You must first determine your eligibility before proceeding with the KYC process. After the authentication has been completed. The virtual card is available to view, and the UNI Card will be delivered to your location in 5-7 business days.

Fees & Charges

There is no joining charge, therefore you can receive this card without much thought. There is also no annual or renewal fee. Unlike regular credit cards, there is no charge in the second year if you maintain the card and do not use it for a year.

Another distinction from regular credit cards is that interest is not assessed daily for late payments. Only late costs are charged. You can also choose from inexpensive EMI plans of 6, 9, 12, and 18 months.

Rewards & Benefits of using a Uni Pay 1/3rd card?

Let us now discuss the benefits. As previously stated, you can pay in three installments. If you choose to pay the entire amount, you will receive a 1% payback in your account. You will notice a 1% cashback amount displayed in your unbilled statement once the balance is paid in full.

Should you get a Uni Pay 1/3rd card?

Uni Pay is an entry-level card that you should consider carrying in your wallet (or mobile). The company provides outstanding customer service. All of your questions are answered quickly. You won’t have to wait days for answers because they can help you over Whatsapp.

This card is a good choice if you want a free card that you will only use once in a while, then you can apply for credit card. The only thing missing from the card are the reward points. With a standard credit card, you receive reward points for all of your purchases. The company currently does not have any reward points. However, according to the company’s website, they plan to implement a reward system in the future. If the new reward scheme can match that of other credit card issuers, the Uni Pay 1/3rd Card will become even more appealing.