uni card : easiest way to get credit limit

Composition of the Uni Pay 1/ 3rd Card 

 Uni Cards, which raised$18.5 million in backing, has lately released their Uni Pay 1/ 3rd card as their first sacrifice in an attempt to ameliorate user credit card sedulity. also there is all you need to know about the Uni Pay 1/ 3rd card, including how to get one 

What exactly is the Uni Pay 1/ 3rd Card?

 Uni Pay 1/ 3rd card is technically not a credit card, despite the fact that it functions also to a regular credit card on the face. It’s substantially a PayLater( or) Pay1/ 3rd card, which means you can spend INR this month and pay INR a month for the coming three months without incurring any interest. 

The tech subcaste is noteworthy because it makes use of technology.

 The tech caste is noteworthy because it makes use of technology. 

 On the face, the RBL/ SBM bank’s credit card system provides access to Visa. 

 LiquiLoans is an NBFC company that gives you access to a credit line. 

 So, in a nutshell, it’s a domestic prepayment card, which means you can not use it for transnational deals or cash recessions, and you might have issues loading carryalls due to RBI guidelines, which are not anticipated to be approved for several months. 

also there is a brief Uni Cards video that reminds me of the movie 47 Ronin. 

Charges & Freights

 Nil as a joining figure 

 Nil figure for Renewal/ Annual Fee 

 Quantum revolving interest As per the arbour, only late freights are accepted. 

 It’s a indefectible Continuance Free card( for the time being) with a solid late figure arbour structure( rather of quotidian interest). 


 1 Refund to credit card( if paid in full) 

Although the algorithm divides” each payment” into three corridors grounded on dereliction, you can still pay in full and admit one refund. 

 The cashback medium is really straightforward, since you can choose whatever trade you wish to pay in full in a variety of gates, and the cashback is automatically acclimated to unbilled stmt, as shown below. 

Although it’s a positive experience, 1 is a little low for entry- position cards, as we now have cards that offer 2 cashback. 

Unicards does indicate, still, that they’re working on a pricing structure that would allow you to earn Uni Coins as well as a Uni Store with 5X prices( maybe like HDFC smartbuy). 


Uni Card is a simple and clean style with the name on the front and card details on the reverse, analogous to the maturity of other modern decorating cards available moment. 

The card is a light slate/ tableware colour that looks good. 

Credit Capacity

 The credit limit is one of the most pivotal aspects of an entry- position card, as utmost card issuers give a fairly low limit, especially when it’s the first card with the bank. 

Uni still claims to be suitable to offer credit cards with credit quantities ranging from INR toRs. 6 lakhs, which seems great. 

 That is an excellent credit limit for an entry- position card, and my credit limit was nearly in the middle. 

After 6 months of card allocation, a request for a credit limit increase can be moved. 


 The card is packaged in a clean and well- designed box that adds a touch of class to any room. Original prints were more like discharging an iPhone than a card, which was fantastic work! 



 The box includes 

 The University Card 

 Yeah!) a Toblerone chocolate 

 A cloak( good quality)

 A luggage label with your name on it( looks beautiful) 


 Another pivotal factor to consider when it comes to entry- position position cards is customer support, which is nearly missing due to the volume. 

 Uni Cards, on the other hand, offers exceptional client service. 

 For my mate, I entered a dispatch from someone in the team as soon as I expressed interest in the card on the internet, to which I answered( inquiring about IOS support, which is now available) and entered a response in under 30 twinkles. It’s inconceivable! 

 It was also applicable to follow up on the same using WhatsApp backing. That was a fantastic occasion. 

Should you apply for a Uni Card?

 It depends on your profile and the requirements, as it always does. To add it up, the Uni card handed you with the following advantages. 

 Free Continuance Card 

 Chocolate luggage marker for gifts 

 Cashback 1 cashback on all purchases-handy if your other cards do not offer pricing or prices on certain deals. 

Late Payments It’s like having a no- interest credit card for three months — extremely handy for high- value or time-sensitive purchases. 

Offers 3 months of Zomato Pro- we may have further similar offers in the future. 

piecemeal from the costs, it excels in nearly every other aspect. 

still, however, it’s a good idea to have one, If you are new to credit cards. 

What is the procedure for applying?

Use the Android or iOS app to apply.

The surgical procedure is really straightforward. Simply install app and follow the on- screen command. It hardly requires anything. 


 To finish, 5 beats( or) lower 

 They use Aadhaar and the selfie to corroborate your identification. 

 The app checks your eligibility using CRIF, but as you go further and apply, it’s likely that it uses both CRIF and CIBIL reports for underwriting, since I noticed an inquiry on CIBIL via the NBFC mate( marked as NDXP, which is actually LiquiLoans). 

 As soon as you complete the operation process, your virtual card will be generated inconspicuously and ready to use. Just make sure you have” online abatements” turned on in your app before starting your test charge. 

 The physical card is delivered via Delhivery in about 3- 5 days, and the good news is that you can choose your delivery address, just in case it differs from the one on your Aadhaar – a useful point. 

 Overall, the Uni Pay 1/ 3rd card offers a positive onboarding experience, a ornamental hello attack, a reasonable credit limit, reasonable rates, and excellent client service. Indeed yet, if you are into ornamental cards and are only searching for” prices,” this may not appeal to you. 

 Uni Pay 1/ 3rd Card is surely UNIQUE, and it provides a truly excellent experience for someone who’s new to credit cards. 

 still, a luxury credit card from Uni Cards — conceivably a black card with a black chocolate – would pique my curiosity. 

 Have you submitted an operation for the Uni Pay 1/ 3rd Card? Please feel free to partake your story in the commentary part below.

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