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.
Table of Contents
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
- Salaried Person (any 1)
Fee:
- Joining Fee: None. (Limited period offer)
- Annual Fee: None. (Limited period offer)
Benefits:
-
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.
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Exclusive Zomato membership:
For a limited period of time, this card offers 3 months Zomato Pro membership.
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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.
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Attractive cashback for credit card bill payment:
If you pay your monthly bill in full, you will get a1% cashback on the bill amount.
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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.
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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.
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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.
Charges:
- 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:
6.5/10
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.