UNI NX Wave Credit Card Review

The Uni NX Wave Credit Card is the newest credit card from the uni credit card company. It is a new-generation power-packed credit card designed for the new generation of card users. Aimed at millennials, this card offers a ton of useful features including unlimited cashback on every transaction, zero forex markup charges, extra rewards in special categories, and more. Below are the benefits of uni credit card in more detail.

Who can apply for the UNI NX Wave credit card?

Currently, only the existing UNI users can join the uni credit card waiting list.

  • Resident Type: Indian
  • uni credit card eligibility criteria for salaried people:
    • uni credit card age limit: 21 to 60 years.
    • Income: Average annual income should be Rs.2.50 lakh or more.
  • For self-employed people:
    • UNI credit card age limit: 21 to 65 years.
    • Income: Average annual income should be Rs.2.50 lakh or more.
  • uni card credit score requirement: A CIBIL score of 700+ is required to get a good credit limit on your uni credit card.

What documents are required to apply for a uni cards credit card?

  • Photocopy of Address proof (any 1)
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

What are uni card credit card fees?

  • Uni credit card joining fee: None 
  • Uni credit card annual fee: Free for a lifetime

What are the uni credit card benefits?

  • Make your transactions more rewarding:

With every transaction, your uni credit card offers a 1% cashback (excluding fuel, rent payment, wallet top-up, ATM withdrawal, and international transactions). There is no upper cap on earning cashback. Also, every transaction you made at the Uni store can earn you 5X uni credit card reward points (5 times extra cashback).

  • Get freedom from forex markup charges:

Using your new uni pay credit card means you won’t have to pay any cross-currency conversion fees, making it the perfect travel companion.

  • Get complete control over your account:

Your uni credit card features a very user-friendly mobile app that gives you complete control over your account.

  • 24X7 Whatsapp support:

Whether you are in the U.S., Canada, or the UK, the Uni Whatsapp support team is available 24/7 to assist you in any situation.

What are the uni credit card charges?


Chargeable amount

Cash withdrawal charge 2.5% against the withdrawn amount, min Rs.300 (Check your uni card credit limit before making a withdrawal)
Finance charge The uni credit card interest rate can go up to 4.2% monthly (or 50.4% annually) (applicable if your uni credit card payment is not made in time)
Foreign currency conversion charge None

How to contact the uni credit card customer care department?

  • Call the uni credit card customer care number: 080-68216821
  • Write to the UNI card mail id: care@uni.club 

100xGain Ratings: 


Pros and cons:



  • You can earn some handsome cashback from your transactions.
  • There are no forex markup charges with this uni visa credit card.
  • It is a lifetime free credit card.
  • You will not get any dining or entertainment benefits from this card.
  • There are no travel benefits on this uni card credit card.

Final Opinion:

If you are new to credit cards and want an entry-level credit card to start with, the Uni Nx Wave is the card for you. It gives you 1% cashback on every transaction, 5X rewards on the Uni store, zero forex markup charges, and a very intuitive mobile app to control your account. 

However, this card is only available for existing uni credit card customers. Hence, if you are not an existing Uni customer, then make sure to check out our best beginners’ cards page.

Alternative Cards:

  1. Au Small Vetta Credit Card (Best for reward and lounge benefits)
  2. BOI Swadhan Rupay Platinum Credit Card (Best for offering cashback)
  3. HDFC Bank All Miles Credit Card (Best for offering reward points)

FAQs on UNI NX Wave card:

  • How to increase uni card credit limit?

Once you have used your UNI card for six months, you can apply to increase your uni credit card limit. If you can prove your claim with enough evidence, your limit will be increased.

  • How to apply for uni credit card?

Currently, the UNI NX Wave card is available for existing customers. You can enlist your name to the uni credit card waitlist from your uni credit card app.

  • How to pay uni credit card bill?

You can make your uni credit card bill payment online using your UNI card mobile app. You can follow the steps given below.

    • Open the Uni card app and then go to the cards section.
    • Tap on the Pay Unbilled option.
    • Now select the amount you want to pay.
    • You will get a number of payment options on your screen.
    • Choose the most suitable option and complete the transaction.
  • Where can I use uni credit card?

The Uni card works on the Visa network, which means you can use your UNI card in over 200+ countries across the globe.

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