UNI Credit Card

When you have a credit card, you want to use it in the best way possible. However, the bills for using the credit card can be a worry because you have to pay them off every month. But don’t worry, you can apply for UNI Cards, which don’t have any annual or joining fee. Uniorbit Technologies has introduced a card called UNI Pay 1/3rd card (in partnership with the RBL Bank, State Bank of Mauritius SBM, and Liquiloans) which allows you to divide your monthly bill into three equal parts. You can then pay off these parts over the next three months without any extra cost. This card is different from regular credit cards because even if you clear your bill in three months, you won’t be charged any interest.

Features and Benefits of UNI Cards

  • You don’t have to pay any joining fee or annual charges.
  • No hidden fees, UNI Cards guarantee to return money if any extra fees are charged without your knowledge.
  • After the 30-day free credit period, you have the option to pay the full amount and receive 1% cashback as a reward.
  • It offers a credit limit ranging from Rs. 20,000 to Rs. 6 Lakhs, which is suitable for first-time customers.
  • Use the UNI Card app to scan and pay at various stores, make one-third payment for groceries, essentials, fashion sales, and emergency bills.
  • It can be used at almost all merchant outlets as 99.9% of merchants accept credit and debit cards.
  • The cards provide data safety and encryption to protect against card misuse.

Fees and Charges of UNI Credit Card

Particulars Charges
Joining Fee NIL
Annual Fee NIL
Minimum Amount Due 7.5% of the Outstanding Amount
Carry Forward Fee Up to 5.5%

Eligibility Criteria of UNI Card

Age: You must be at least 18 years old.
Nationality: The applicant must be an Indian citizen.
Income: Have a stable income.
Credit score: You need to have a good credit score.

How To Apply For Uni Pay Card?

  1. Get the UNI card app from the Google Play Store or Apple App Store and install it on your phone.
  2. Open the app and enter your mobile number. You’ll receive a code to verify your number.
  3. Now, provide your PAN number, name (matching your PAN), and date of birth.
  4. The app will check your credit report using CRIF to see your financial history.
  5. Once your credit report is reviewed, you’ll see the maximum amount you can spend on the card.
  6. If you agree to the terms and conditions, the app will create your card.
  7. You can use the virtual card immediately. The physical card will be printed and sent to you in a few days.