Need a credit card? Join UNI Paycheck

January 14, 2024January 12, 2024 by loanhost

Table of Contents

UNI Paycheck and Unicard Details

Repayment: Pay full of 1/3rd for consecutive 3 billing cycles.
Annual fee: nil.
Joining fee: nil.
Bill payment time: 10 days.
Rewards: 1% cashback on full bill payment.
Minimum amount due: 7.5% of the total outstanding principal.
Carry forward fee: up to 5.5%.
Card freeze: 6 months of not using the card.
Late payment fee: As per the slabs of the bill payment amount. No interest is charged on late bill payments.
Apply now to get your Uni Paycheck

About UNI Paycheck Card

The UNI Pay 1/3rd card was launched by Uniorbit Technologies (UNI) in partnership with the RBL Bank, State Bank of Mauritius (SBM), and Liquiloans. It is not like a traditional credit card, where your interest starts accumulating on the first billing cycle’s payment date. With this card, you can spend anywhere and pay 1/3 of your bill on groceries and essentials, emergencies and bills, fashion sales, or even at a party. Pay your monthly expenses in 3 parts in 3 months without any extra charges.

Features and Benefits of Unicard

There is no joining fee and no annual charge for UNI Beta customers.
Pay your monthly expenses in 3 parts in 3 months without any extra charges.
You can opt to pay in full after the 30-day free credit period and get 1% rewards in the form of cashback.
UNI Card issues a credit limit between Rs. 20,000 and Rs. 6 lakh that may be best for first-time customers.
The feature of splitting your expenses into longer EMIs is coming soon, where you can have longer and more affordable EMI plans from 6, 9, 12, and 18+ months.
The Uni Pay 1/3rd card is accepted at over 99.9% of the merchants across India that accept credit or debit cards.
The feature of using your credit line to easily scan and pay at your favorite stores is coming soon.
100% money-back guarantee if UNI charges any fee without your knowledge.
The UNI customer care team can be reached through email at care@uni.club or Whatsapp at 080 68216821.
The UNI systems ensure complete data safety, security, and encryption so that no one can access it.
Apply now to get your Uni Paycheck

UNI-PAYCHECK Download

Fees and Charges of UNI Credit Card

Carry forward fee: up to 5.5%.
Late payment fee: As per the slabs of the bill payment amount. No interest is charged on late credit card bill payments.

Eligibility Criteria for a UNI Card

Here are the eligibility criteria for the UNI Card:

You must be a resident of India.
You must be at least 18 years old.
Check the Cibil score on your credit card before applying.

UNI Card VS Regular Credit Card

Here is the comparison table between the UNI Card and a regular credit card:

Payment	Full or 1/3rd of the bill in 3 consecutive months	Full or conversion into EMIs for select payments
Annual and joining fees	Nil	Usually up to Rs. 1,000, depending on the card type
Bill payment time	10 days	10 to 15 days
The minimum amount due	7.5% of total outstanding bill	5% of total outstanding bill
Rewards	1% cashback on full payment	2% to 5%, depending on the card type
Card freeze	After 6 months of non-usage	Valid till expiry date of the card
Carry forward fees	Up to 5.5%	Interest is charged only on unpaid amount
Late payment fee	As per slabs of bill amount	It depends on the card type
Late payment interest	Nil	As applicable