Uni Pay Credit Card Review

The uni pay 1/3 card is another addition to the Indian app-based credit card list. This card is designed by Uniorbit Technologies in collaboration with the RBL Bank. Although we call it a credit card, it is actually a payment card with a line of credit that comes with a very unique no-cost EMI option and a much more unique unboxing experience. More details of the card are given below.

What are the unipay 1/3 card eligibility criteria?

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: Your eligibility criteria do not depend on your monthly/annual income.  
  • For self-employed person:
    • Age: The age of the applicant should be between 23 to 60 years. 
    • Income: Your eligibility criteria do not depend on your monthly/annual income.
  • A good credit score (above 750) will help you to get a higher credit limit. 

Like most app-based cards the Uni Pay card can be applied using the Uni Pay app. You can find the complete uni pay 1/3rd card apply online procedure on our FAQ page

What documents are required to apply for the uni pay credit card?

  • Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • You need to upload your selfie during the application process.
  • Proof of income statement: (may not be required)
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

What are the uni pay credit card fees?

  • Unipay 1/3 card joining fee: None. (Limited period offer)
  • Unipay 1/3 card annual fee: None. (Limited period offer)

What are the uni 1/3 card benefits?

  • Enjoy the convenience of credit with a higher credit limit:

Depending on your credit score, credit history, and other parameters your Uni credit card maximum limit will range between Rs. 20,000 to Rs. 6 lakh. You can check your uni 1/3 card limit from the Uni Pay mobile app.

  • Enjoy exclusive deals on online food orders with complimentary Zomato membership:

For a limited period of time, this card offers 3 months Zomato Pro membership. 

  • Split your high-value transactions into small installments using the low-cost EMI option:

This is the most unique feature of this card. It allows you to convert your monthly credit card bills into 3 months EMI without any extra charges, although you can pay your bills in full. 

  • Earn cashback from monthly bill payment:

If you pay your monthly bill in full, you will get a1% cashback on the bill amount. 

  • Lifetime free credit card:

Currently, there is an ongoing lifetime free offer on this card, so if you apply for this card now, your card will be free from any joining and annual fees. 

  • Unique unboxing experience:

This card offers a unique unboxing experience to its users. Unlike other credit cards, it comes in a box that looks exactly like a Smartphone box. It contains your Uni 1/3 card, a Uni branded face mask, a personalized luggage tag, and a small chocolate.

  • Pay more conveniently with the advanced contactless payment facility:

The Uni 1/3 card supports a contactless payment facility, which lets you make payment with just a wave at any POS machine that accepts contactless payment. You can control the credit card contactless and online payment options from the Uni Pay app

What are the uni 1/3 card charges?


Payable amount

Uni pay cash withdrawal charge Your Uni 1/3 card can’t be used for cash withdrawal.
Uni pay finance charge There is no applicable finance charge on this card, in case of non-repayment/ delay in repayment your credit card bill will get automatically converted into EMI and you will have to pay a late payment charge according to your due amount.
Uni pay 1/3 credit card foreign currency conversion charge This card can’t be used for international transactions.
Uni pay 1/3rd credit card late payment charge

Total unpaid bill amount

Applicable late payment charge

Rs. 1  to Rs. 250 Rs. 0
Rs. 250 to Rs. 1,000 Rs. 25
Rs. 1,000 to Rs. 2,500 Rs. 100
Rs. 2,500 to Rs. 5,000 Rs. 250
Rs. 5,000 to Rs. 10,000 Rs. 500
Rs. 10,000 to Rs. 20,000 Rs. 1,000
Rs. 20,000 to Rs. 30,000 Rs. 1,500
Rs. 30,000 to Rs. 40,000 Rs. 2,000
Rs. 40,000 to Rs. 50,000 Rs. 2,500
Rs. 50,000 to Rs. 75,000 Rs. 3,500
Rs. 75,000 to Rs. 1,00,000 Rs. 5,000
Rs. 1,00,000 to Rs. 2,00,000 Rs. 7,500
Rs. 2,00,000 and above Rs. 10,000

How to contact the uni pay credit card customer service department?

  • Call the unipay 1/3 card customer care number: 080 68216821
  • Email: care@uni.club 

100xGain Ratings: 


Things to keep in mind before applying for the Uni Pay card:

As said before, it is not a credit card, but a line of credit which is a kind of consumer durable loan. So in your credit report, it will be shown as an unsecured loan. But this card can be a very good option for beginners who do not have a credit score. But if you want a credit card to improve your credit score or just to gain some experience then I won’t recommend you to go for this card. In this case, you can take a look at the 100xGain top 10 credit card’s page, hopefully, it will help you to find the most suitable card for yourself. 

If you are looking for a similar credit card then you should take a look at the Alternative card options given below.

Alternative cards: 

  1. HDFC Easy EMI Credit Card (Best for offering cash backs)
  2. One card credit card (Best for offering reward points and EMI option)
  3. Paytm First Credit Card (Best for offering cashback, dining, and movie benefits)
  4. Postpe Credit Card (Best for its attractive referral program)
  5. Zolve credit card (Best for those who are going to the US)

5 thoughts on “Uni Pay Credit Card Review”

  1. @cards_uni Illegally uni has taken my signature by blackmailing me Still I didn’t get my FNF, Danish is playing game with me by holding my hard earned salary iam here bcoz there is no communication find attachment & comments in their FB page with my id card and boycott this fruad company who makes fools first to their customers by name of 1/3rd then their employees, people show your public power and support me to get my FNF.

    • Dear Saif,

      I understand how you feel. You can file a complaint with the Ombudsman and if you are not satisfied with their reply, you can go to consumer court.



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