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
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Proof of business
- Salaried Person (any 1)
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?
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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.
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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.
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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.
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Earn cashback from monthly bill payment:
If you pay your monthly bill in full, you will get a1% cashback on the bill amount.
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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.
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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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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?
Particulars |
Payable amount |
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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 |
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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:
6.5/10
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:
- HDFC Easy EMI Credit Card (Best for offering cash backs)
- One card credit card (Best for offering reward points and EMI option)
- Paytm First Credit Card (Best for offering cashback, dining, and movie benefits)
- Postpe Credit Card (Best for its attractive referral program)
- Zolve credit card (Best for those who are going to the US)
@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.
Thanks,
Arghya