Uni Pay 1/3rd Card Review

The Uni 1/3rd 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.

Unipay 1/3rd 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

Required Documents:

  • 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 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


  • Joining Fee: None. (Limited period offer)
  • Annual Fee: None. (Limited period offer)


  • 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. 

  • Exclusive Zomato membership:

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

  • No-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. 

  • Attractive cashback for credit card bill payment:

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

  • Zero joining and annual fee:

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.

  • 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


  • Cash Withdrawal Charge: Your Uni 1/3rd card can’t be used for cash withdrawal. 
  • Finance Charges: 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. 
  • Foreign currency conversion charge: This card can’t be used for international transactions. 
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

Contact Details:

  • Call the unipay 1/3rd card customer care number : 080 68216821
  • Email: [email protected] 

100xGain Ratings: 


Final Opinion:

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 Slice Pay card or Axis Bank Freecharge card. 

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