Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Uni Card - The Pay 1/3 Card

    The Uni Card allows you to pay your monthly credit card bills in three parts. This payment can be made over a period of three months. There is no fee levied for spreading out the payment over the three months.

    Features and Benefits of the Uni Card - The Pay 1/3 Card

    • Split your payments into three parts over a period of three months.
    • If you pay the credit card bill in full, after your 30 days free credit period, you get 1% cashback.
    • You can choose EMI plans which have terms ranging from 6, 9, 12 to 18+ months.
    • There is no joining fee or annual fee for the credit card.

    Eligibility Criteria for Uni Card - The Pay 1/3 Card

    • You have to be at least 18 years of age.
    • You have to provide your true and authentic identity card, age, and other details.

    Documents Required to Apply for the Uni Card - The Pay 1/3 Card

    • Proof of ID
    • Proof of address
    • Income proof documents

    Uni Card - The Pay 1/3 Card Customer Care

    • Level 1:

    You can call the toll-free customer care number at 080 68216821.

    • Level 2:

    If you are not satisfied with the response from Level 1, you can call +91 22 7120 9091. You can also send an email to

    • Level 3:

    You can contact the bank's Nodal officer if the response from level 2 has not solved your query.

    FAQs on Uni Card - The Pay 1/3 Card

    1. Does Uni Cards also have co-branded credit cards?

      Yes, Uni Cards Card has two co-branded credit cards - The Uni RBL Prepaid Card and the Uni-SBM Prepaid Card.

    2. What happens if I make the payment in one month?

      If you make the payment in full in one month, you get 1% cashback.

    3. Where can I apply for the Uni Card?

      You can visit to apply for the Uni Card.

    News About UNI Cards

    • Food ordering is a significant spending category on Uni Cards

      The ‘Buy now pay later’ (BPNL) market in India will rise from $3-3.5 billion to $45-50 billion by 2026 according to a 2021 report by RedSeer Management Consulting. Uni Cards' 'Pay 1/3 card' has brought a new dimension to the BPNL ecosystem. The 'Pay 1/3 card' divides your payment into three equal instalments that can be paid over the following three months.

      If you pay the complete amount in the first month, you will earn a 1% payback. Users of Uni Cards spend the most money ordering food both online and offline.

      25 March 2022

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