Uniorbit Technologies has introduced the UNI Cards in conjunction with RBL Bank, State Bank of Mauritius, and Liquiloans. It differs from conventional credit cards in that it accrues interest from the first billing cycle’s payment date, whereas regular credit cards accrue interest from the first billing cycle’s payment date. You can divide your card payment into three monthly installments with UNI Cards and avoid paying interest.

When you have a credit card, you attempt to use it as much as possible. Credit card bills, on the other hand, are a source of stress because you’ll have to pay them off every month. So don’t worry, you can apply for UNI Cards with no annual or membership fees. Uniorbit Technologies has introduced the UNI Pay 1/3rd card, which allows you to divide your monthly bill into three equal installments and pay them over the next three months without incurring any additional fees. It’s not like ordinary credit cards in that you won’t be charged interest if you pay off your balance in three months. There are a few more advantages to this card that you will discover.

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How to Apply For Uni Pay Card:

The UNICARD application makes it simple to apply for a UNI Card. This app is available on both the Apple App Store and the Google Play Store. This is the location where you may download and apply for the credit card. You will only need a selfie and an Aadhar card to authenticate the application. You must determine your eligibility and complete the KYC process. Following the authentication. You can view the virtual card, and the UNI Card will arrive at your address in 5-7 business days.

How Uni Cards is different From Credit Card

Assume you have a typical credit card and must pay a bill of INR 60000 on that card. You pay the minimal sum due of INR 10,000, and the remaining INR 50,000 is carried forward to the following month. As a result, you will be required to pay interest on the sum of INR 50000, which will begin accruing on the following billing cycle date.

Regular credit cards usually provide an interest-free period of up to 50 days. The UNI Cards, on the other hand, provide a 90-day interest-free term and therefore you can get Uni Card if you want to apply for credit card. The main distinction between the UNI Credit Card and other credit cards is this.

Features and Benefits of Unicard

  • Customers of UNI Beta do not have to pay a membership fee or an annual fee.
  • Pay your monthly bill in three installments over three months with no additional fees.
  • After the 30-day free credit term, you can pay off your balance in full and receive 1% cashback.
  • The UNI Card offers a credit limit ranging from Rs. 20,000 to Rs. 6 lakhs, which is ideal for first-time clients.
  • The ability to split your expenditures into lengthier EMIs will be available soon, with EMI options ranging from 6, 9, 12, and 18 months.
  • Uni Pay 1/3rd card is accepted at over 99.9% of merchants who accept credit or debit cards in India.
  • The ability to scan with your credit card is a useful feature.
  • If UNI charges you a fee without your permission, you will receive a full refund.
  • Contact the UNI customer service team via email at [email protected] or Whatsapp at 080 68216821.
  • No one can access the data because of the UNI systems’ total data safety, security, and encryption.


The app is available on Google Play and the App Store.


Read Also: How Is The Personal Loan EMI To Be Paid?


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