With a UNI Credit Card, you can split your payments in 3 months and pay 1/3rd every month with zero extra charges. UNI Beta customers do not need to pay any joining fee and annual charges.
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 bill payment amount. No interest charged on late bill payment.
Additional Info: Are you looking for Instant SBI Personal Loan
Here are the eligibility criteria for UNI Card:
Here is the comparison table between UNI Card and regular credit card:
| Payment | Full or 1/3rd of the bill in 3 consecutive months | Full or conversion into EMIs for select payments |
| Annual & joining fee | Nil | Usually up to Rs. 1,000, depending on the card type |
| Bill payment time | 10 days | 10 to 15 days |
| 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 | Depends on the card type |
| Late payment interest | Nil | As applicable |
Tip: Calculate cibil score before applying for a credit card.
