UNI Card Review: Pay 1/3rd Every Month

UNI card Review
UNI card Review

The UNI card has been launched by UNI Orbit Technologies, and you won’t be getting any traditional credit card where your interest starts accumulating from the first billing cycle’s payment date. You get a card that you buy now and spend later with. UNI card is a solid card that is gaining popularity among the Indian youth, and is a remarkable product that delivers the facility of buying now and spending later.

Let’s review the UNI card and get to the verdict – Should you go for this UNIque card or not?

Fees and Charges

Joining Fee Nil
Annual Fee Nil
Late payment fee According to slabs of the bill payment amount. No interest is charged on late payment.
Carry forward fee Up to 5.5%

Pros & Cons

  • No annual or joining fee: There is no such fee for a UNI card, whereas an annual or joining fee is zero to a few thousand in regular credit cards. Here waivers are available.
  • Repayment: Customers can make the full payment or choose to pay 1/3rd for the next 3 consecutive billing cycles at no extra cost.
  • Multiple reward partnerships: UNI has partnered with several popular apps like Swiggy, Flipkart, and more to get you additional discounts.
  • Card freeze: If the customer doesn’t use the UNI card for six months, then a card will be automatically frozen.
  • Intuitive UI: The UNI app is a breeze to use with all important toggles and settings just few touches away.
  • Reward period: If you split your bill over three months, you won’t get any reward points.
  • Foreign transactions: As per RBI policies, no foreign transaction is permitted.
  • Low Rewards: UNI card offers rewards that are still low compared to other Entry Level Credit Card.
  • No Wallet Load Transactions: You can’t utilise the card for wallet transactions as it isn’t a credit card, but a credit line.

Rewards and Cashback

UNI card has a reward rate of 1% in the cashback form on Bill payments.

Apart from that, you get instant discounts when paying using your UNI card at stores like Swiggy, Zomato, 1mg, and more. This isn’t a card for getting significant cashback on your regular purchases.

Who Should Get a UNI Card?

UNI card is suitable for customers who want lucrative benefits and no interest charges for up to 3 months of the original payment.. On delivery, you get interesting freebies including a mask, sanitiser, chocolate, and pouch, which is a nice touch.

Nonetheless, you should opt for this card only if you can manage your expenses and clear your due payments or charges on time. Customers of UNI card credit cards should not overspend or do not extend repayment beyond the free credit period.

Otherwise, you may end up in a debt pitfall. The late fees applicable on this credit card are very high compared to other credit cards. Here you can also like to know about onecard review

Eligibility Criteria For UNI Card

1. Age 

  • For a salaried person, your age should be between 18-60 years.
  • For a self-employed person, your age should be between 18-70 years.

2. Location

You should be a resident of India.

3. Documents required

Customers can avail the benefits of the UNI card by submitting the following documents:

  • Aadhar Card 
  • Valid PAN Card 
  • Aadhar Linked mobile number

Ratings and Reviews

  • Cashback and Rewards 2.5/5: If you for the UNI card, customers can pay in full after the 30-day free credit period and get 1% rewards in cashback.
  • Fees and charges 4.5/5: The UNI card has zero joining and annual fee, making it extremely appealing. 
  • Eligibility 4/5: The individual needs to have an adequate and steady income at the age of 18-60 years. For a self-employed person, the age should be between 18-70 years.
  • Overall 3.5/5: UNI card makes the best Credit Card in India for the Beta Users. You can pay anywhere and spend 1/3rd of your bill with this card. Spend your monthly amount in 3 parts in 3 months without additional charges.


There are no Joining Fee fees for UNI clients, and annual fees are also nil. UNI card offers you no cost EMI for three months without any interest charges. But interest charges may be levied if you go for more than three months of EMI, and extra charges will also be applied.

UNI card swears by 100% transparency in transactions, and every single charge or fee is applied to your credit statement and complete details are provided. As already discussed, UNI card Cashback/Discount is not appealing, though. They offer 1% cashback that too if the full payment is made within the due date.

It’s more of a card meant for convenience than for rewards, contrary to what its competitors are meant for.


Is UNI card a credit card?

UNI Card is not a credit card, but it functions the same way as a credit card. It is a Pay 1/3rd card or PayLater card, which means on the spending of Rs 30,000 in a month, pay Rs 10,000 a month for the next 3 months without any interest or late fee.

What are the benefits of UNI card?

The card has no joining fee and no annual charges for all customers. The bill can be paid in 3 months without any interest. If paid in full, you get a 1% cashback straight into your account. The card is acceptable at 99.99% stores and outlets in India.

Is UNI card lifetime free?

UNI Cards are valid for an unlimited period of time. With this lifetime free credit card, you will never have to pay a joining fee or annual fee.

Where can we use UNI card?

The UNI card is a Visa-branded card and is accepted at all merchants, and online websites, in India.

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