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 had been launched by Uniorbit Technologies (UNI), and this was in partnership with the RBL Bank, State Bank of Mauritius (SBM), and Liquiloans.

    This card is not a credit card where you incur interest from the first billing cycle’s date of payment. With the Uni Card, you can pay your bill over a period of 3 months in equal parts.

    What is Uni Pay 1/3rd Card?

    The Uni Card is one that allows you to pay off your bills in three instalments. 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. Let us look into the features and benefits of the 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.
    • You should have a good credit score to apply for the Uni Card.

    Fees & Charges for Uni Cards

    Particulars Fee
    Joining Fee Nil
    Annual Fee Nil

    Rewards on Uni Cards

    • If you have to split your spends into 3 parts over a period of 3 months, you get 1% rewards if you pay the bill within 1 month.
    • If you need to split your spends in 2, you earn 1.2% rewards if you pay the bill in one month.
    • You get up to 5X value on Uni Store.

    Credit Limit for Uni Cards

    You can set your own limits for payment with the Uni Card. You can also choose how you want to spend the card by locking and unlocking it from the app.

    Apply for Uni Credit Card

    You can apply for the Uni Card by following these steps:

    Step 1: Go to the website, https://www.uni.cards/apply

    Step 2: Enter your phone number, name and your email ID.

    Step 3: Click on ‘Submit’

    Step 4: You will be redirected to another page.

    Step 5: Follow the instructions on the page to apply for the Uni Card.

    Uni Cards Customer Care Number

    • 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 ppihelpdesk@rblbank.com.

    • Level 3:

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

    How Uni Cards 1/3rd is different from other Credit Cards?

    The Uni Card is not a credit card. Although it works very similarly to a credit card. This is a card through which you can split your spends into 3 parts.

    Example:

    • You have a credit card and your bill is Rs.60,000.
    • You pay the minimum amount (Rs.10,000) and you carry forward the rest to the next month (Rs.50,000).
    • You will have to pay interest on Rs.50,000.
    • With a UNI Card, with a bill amount of Rs.60,000., you can pay it in 3 months- Rs.20,000 every month.

    FAQs on Uni Cards

    1. What is the minimum age required for UNI cards?

      In order to apply for the Uni Card, you will have to be at least 18 years of age.

    2. What is the fee of the Uni Card?

      The Uni Card has no joining or annual fee.

    3. Does the Uni Card offer cashbacks on retail spends?

      Yes, UNI cards offer 1% cashbacks on all retail spendings.

    4. Is the Uni Card like a credit card?

      The Uni Card is not a credit card. Although it works very similarly to a credit card. This is a card through which you can split your spends into 3 parts.

    5. Being an NRI, can I apply for UNI Card?

      No, you cannot apply for a Uni Card as an NRI.

    6. What is the validity of the Uni Card?

      The validity of the Uni Card is unlimited.

    7. Am I allowed to increase the credit limit of the UNI Card?

      Yes, you can always request and increase the limit of your credit card.

    8. What is the minimum credit score you need to apply for Uni Card?

      When you apply for the Uni Card, you should have a credit score of at least 750 or above.

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