Last Updated on March 17, 2024 by Jawad Ali

Credit cards are used as efficiently as possible by people. However, because you have to make payments on your credit card balance each month, this is an issue. A unique feature on UNI cards allows users to pay their bills quite conveniently. Instead of paying for things right away with a credit card, customers can use a UNI card to spread out their payments. Get to know about the best credit card in India, along with how to apply to them, their requirements, and much more.

What is UNI Card?

The UNI Pay 1/3rd card was launched as a result of cooperation between Uniorbit Technologies (UNI) and the State Bank of Mauritius (SBM), which is considered the best credit card in India. Users can divide their monthly payments into three equal payments over the following three months using the UNI Pay the 1/3rd card concept without paying additional fees. 

The UNI Cards’ best feature is that there are no hidden fees or interest charges. A recent addition is a 1/2 card, which allows people to split the bill into two equal payments for two months without paying any additional fees.

Eligibility for UNI Cards

To use the Uni pay card, an Indian citizen should be at least 18 years old. Also, a user’s eligibility is decided by a few factors. Among them are:

  • A user must reside in India if they want to apply for this credit card.
  • Users must also have a good credit score to apply for this card.
  • Additionally, the applicant needs a steady source of income.
  • The eligibility age for this card is 60 years old.

Features of the UNI Cards

Before learning more about how to apply for a UNI Card, let’s take a look at some of the features of UNI cards that make them the best credit card in India.

  1. Changing EMI plans is easy

Users can choose longer EMI plans to make the full payments if, after three months, they are unable to cover the cost. This makes it possible for them to fulfil all their needs without going into debt.

  1. Cashbacks

Unlike other cards, UNI offers discounts and rebates to customers who pay their balance in full. Therefore, the company will give a 1% discount or cashback if the user thinks they can pay off your entire bill at once! This makes it very popular among users and the best credit card in India.

  1. No joining Fee

There are no hidden costs or fees associated with joining the UNI Card or using its benefits. Users must simply apply, utilize the services, and make payments for what they purchase. For early Uni customers, even the annual maintenance fees are waived.

  1. Complete Transparency

Users can get 100% of their money back if a charge is made without their knowledge. 

  1. Security

To guarantee that all data and personal information are always secure, all the user input data is secure and encrypted when using the UNI Pay app.

Steps to Apply for Uni Card 

Applying for the UNI Cards involves the following steps:

Step 1: Visit the website at as the first step.

Step 2: Type in your name, phone number, and email address.

Step 3: Select “Submit.”

Step 4: You will be taken to a different page.

Step 5: Apply for the UNI Card by following the directions on the page.


Overall, the UNI cards offer a smooth application process, a high-end welcome package, a respectable credit limit, fair rewards, and excellent customer service. However, if someone enjoys premium cards and is only interested in “rewards,” this might not be appealing to you. The overall user experience provided by UNI Pay Cards is excellent for someone who is new to the world of credit cards, and hence it makes it the best credit card in India.

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Noah Patel is a finance specialist with over 10 years of experience in the financial industry. He has worked with a variety of clients, including individuals, small businesses, and large corporations, to help them achieve their financial goals. Noah's expertise includes financial planning, investment management, risk management, and retirement planning. He is dedicated to helping his clients make informed financial decisions that align with their long-term objectives. Noah is a frequent contributor to financial publications and has written extensively on topics such as personal finance, investing, and financial planning. His mission is to educate and empower individuals to take control of their financial future. When he's not working with clients or writing, Noah enjoys traveling, playing tennis, and spending time with his family.