UNI Club Credit Card Review

Uni Club launched “Uni Credit Card,” a Co-branded Credit card hosted on the Visa Platform. sbm bank. Uni 1/3rd credit card is a distinctive Buy Now Pay Later product which allows you to divide the entire amount you spend into three installments, which are free. 

UNI Club Credit Card Review-

UNI Club Credit Card Review

Simply put, any spending that you make in a month will be repaid in 3 equal monthly installments without fees or interest. If you opt to make a full payment and pay in full, you will receive a 1 percent discount or cashback on your total amount. Therefore, should you consider applying for this card? or transfer all your purchases from credit cards onto Uni 1/3rd cards? Take a look at my review in which I discuss the main advantages for this particular card. I also discuss and how it differs from conventional credit cards and point out some flaws to make an informed choice.


  • First of a kind innovation.
  • Pay in 3 parts
    Pay for anything and everything and just pay 1/3rd every month. Nothing more, not even a rupee.
  • 1% Rewards when you Pay in Full
    Choose to pay in full, post the 30 days free credit period & enjoy 1% rewards in the form of cashback.
  • Coming soon –
    Split into longer EMIs
    Take all the time you need. Choose affordable longer EMI plans from 6, 9, 12, 18+ months.
  • Uni Pay 1/3rd card is accepted at 99.9% of the merchants across the country that accept credit or debit cards.
  • UpComing soon –
    Use your credit line to easily scan and pay at your favorite stores.

How To Apply UNI Credit card

Download App Uni Club

Document Requirement to Applied Uni Card*

impressive online application,
Mobile verification – Via OTP
PAN Details required
AADHAAR verification via OTP

They will pull both CRIF and CIBIL Reports
CRIF report is used to check eligibility
CIBIL is used to approve the card

*Note** Just wanted to add a free card no plan to use it on regular basis.

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