Uni Cards: The Pay 1/3rd Card (Check Uni Pay 1/3rd Credit Cards Features & Benefits)
First of a kind innovation that lets you pay your monthly spends in 3 parts over 3 months for NO EXTRA charges.
Uni Pay 1/3rd Card – Backed by Visa – Pay 1/3rd, get 1% rewards & enjoy 6,9,12,18+ months EMI plans.
The Pay 1/3rd revolution is here. 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.
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
Fees & Charges
| Joining Fee | Nil |
| Renewal/Annual Fee | Nil |
| Interest on revolving amount | Late fees only, as per the slab |
Key Highlights of Uni Pay 1/3rd Card
- Its not Credit Card, It is a Buy Now Pay Later (BNPL) product.
- No Annual fees ( Till Now)
- No Joining Fees
- 1% discount on bill payment.
- Bill can be split into 3-EMI at no extra cost/Interest.
- Good Customer Support.
- Only Late Fees, No Interest on late bill payment*.
- Easy application and approval Process.
Rewards 1% Cashback to card (if paid in full)
The system splits “each payment” into 3 parts by default, but you can however choose to pay in full and enjoy 1% cashback
Credit Limit
One of the most important aspect of an entry-level card is the credit limit, as most card issuers give a relatively low limit especially when its the first card with the bank.
Uni however states that they can issue cards with credit limits ranging from 20,000 INR to 6 Lakhs which sounds promising.
Should you get Uni Card?
As always, it depends on your profile and the needs. To sum up, You get the following benefits with the Uni card:
- Lifetime Free Card
- Freebies: Mask+Chocolate+baggage tag
- Cashback: 1% cashback on all spends – useful if your other cards don’t give rewards/cb on certain txns
- Pay Later: Its like 0% EMI card for 3 months – very useful on high value / emergency spends.
- Offers: Zomato pro for 3 months – we may have more such offers in future.
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