Uni Cards 4+

Name: Uni Cards
Rating: 4.7 (19601 reviews)
Author: Uniorbit

Next-gen cards & Paychek

Uniorbit

- 4.7 • 19.6K Ratings

- Free

iPhone Screenshots

Description

We are changing how India experiences credit. One that elevates your reward game and gives the cashback you deserve. So what does Uni have for you? Actually, a lot.

> Uni Paychek: A one-of-a-kind subscription that gives you credit every month, direct to your bank account. Just like another salary
> NX Wave Credit Card (Coming Soon): 1% cashback. 5x more value than your cashback at the Uni Store. Freedom from forex markup fees
> PowerUp by Uni (Coming Soon): The opportunity to earn consistent 9% returns on your money.

And we’ve just got started. But let’s tell you more…how Uni can take your money and access to credit to the next level.

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Uni Paychek

* Get a fixed amount into your bank account every month, for FREE. Just like a salary before your salary.
* Once you pick a date and subscribe, you get up to 15 interest-free days to manage your expenses smartly.
* Pay your rent, clear your credit card bills, stay ahead of EMI’s, and just do about everything on time. It’s your money.

To know more - https://paychek.uni.club/

How to begin (New users)
> Download Uni app
> Check eligibility
> Complete KYC
> Subscribe for Paychek

How to begin (Existing Uni users):
> Subscribe to Paychek on the app
> Pick a date and select your desired amount
> The same will be deposited into your bank account, every month
> Pay it back with your Uni bill

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Uni Cash

The quickest way to transfer your credit line to your bank account. Yep, that’s how simple it is.
Login to the Uni app, and look for Uni Cash
Check your offered cash limit, fees applicable if any
Select your amount
The amount is transferred instantly. There’s no waiting of any kind

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NX Wave Credit Card

The next-gen credit card for reward-lovers is arriving soon. Powered by SBM Bank and Visa, the NX Wave Credit Card brings you an incredible experience and value like nothing you’ve seen before..

What the Wave brings you:

> 1% cashback* on your spendings
> 5x more value than your cashback at the Uni Store
> 0% forex markup fee. Pay nothing extra on international transactions
> Lifetime FREE: no annual or renewal fee
> Choice of six breathtaking colours
> Fuel surcharge waiver

*Not applicable on fuel purchase, rent & wallet transfers, ATM withdrawals & international transactions.

And an exclusive access to the Uni Store. One that promises a superior reward experience, you won’t find anywhere else. Here’s how:

1. Earn Uni Coins every time you spend with your NX Wave Credit Card
2. Exchange for cashback or an incredible 5x more value at the Uni Store
3. Get to choose from lifestyle products across multiple categories at the Store. All from the brands you always loved

Your NX Wave Credit Card is super secure:
* Stay in control: manage your card and its limits from the Uni app
* Avoid mishaps: Freeze/unfreeze your physical card if lost
* Strong on privacy: PCI-DSS certified, so your data is always safe
* Who can apply for the NX Wave Credit Card?
* Existing users of the Uni app can sign up currently and get on the waitlist real quick.

New users: Opening soon for you. Stay tuned.

PS: More new credit cards are coming up. Keep watching this space.

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PowerUp by Uni (Coming Soon)

Earn consistent 9% returns on your idle money. No lock-in periods. No market volatility. Just fixed, high returns.

→ Start investing as low as ₹10,000 and track your daily earnings in the Uni app.
→ Unlike an FD, you can withdraw ANYTIME you like. There are NO charges.
→ You stay safe from market fluctuations and high risk - things common when you invest in a mutual fund.
→ Just watch your money grow at a pace that beats the rising cost of living.
→ Head to the Uni app and start investing today.

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To know more, you can always check our website : www.uni.cards
Or send us an email to : care@uni.club

15 Apr 2024

Version 0.89.4

Bug fixes and performance enhancements

4.7 out of 5

19.6K Ratings

Supermen of Credit cards

What basically happens with a normal credit card is like you have to pay the full amount the next of the purchase, or you can convert
the credit amount into EMI, but on those
EMI you'll have to pay huge amount of
interest. If you made a purchase of suppose 100 then after interest charges you'll pay 150. That's the basic sense of having and using a credit card. Due to which many Indians think thrice before opting for one. But, this stereotype has been broken by UNI Cards. What it does is it breaks the total amount into 3 easy EMI (without interest), like if your amount is ₹1800 on January then
you'll pay ₹600 on February, ₹600 on
March, ₹600 on April. And just think of you
feel like you can pay the full amount in one
shot then the card give you a reward of 1%
like 1800 × 1% = 18 will be your reward.
And yes, it increases your cibil score.
I would highly recommend it to everyone
especially the youngsters and college
students.
The whole KYC process is done in 5
minutes. Don't think much just go for it.
This will help you to keep a check on your
finances.

Great cashback offer

I like the card alot , i have hdfc credit card as well, i have seriously stopped using that card since i got uni card. If compared to that it’s great in terms of saving if you spend good amount on card , so far i have spent around 5-6 lakh on this card which gave me a good cash back of 6,000 rs which no traditional card would have given . Two major draw back i wish were rectified one is that the amount would show as a loan on your credit file and second we don’t get an option of making a custom payment before the bill is generated either it’s the whole amount or none, like we get after bill being generated. Not necessarily everybody gets paid at the end of month and they have to make payment after certain date only. It would be great if you allow custom payment throughout the billing cycle, i would personally use it even more if i had option of custom payment. The primary reason for this suggestion is also it is recommended to not to go over 30% of your limit, so i would have option to maintain that 30% limit as well and spend it as much as i want in month.

Slow debt trap and high interest rate than normal credit card

Although the card doesn’t charge interest for the billing amount within the 1/3rd payment window, it charges a late fee, if you miss any of the three installments. As per the chart available on the websites of Uni Cards and HDFC Bank (for comparison), an unbilled amount of Rs 40,000 with UNI card would attract a late payment charge of Rs 3,000. HDFC Bank credit card will impose Rs 1,100 as late fees.

There is a minimum amount due every month that is 7.5 per cent of total principal outstanding. If you pay less than this minimum amount, a carry forward fees of up to 5.5 percent a month would be charged in the next billing cycle. The carry forward fee varies with the customer’s credit profile and past repayment record. It will be communicated at the time of repayment. Assuming that a customer is charged 5.5 percent a month (i.e., 66 percent a year) as carry forward fees, UNI Pay 1/3rd Card turns out to be more expensive than other credit cards for those who miss their payments. “If you do not pay that minimum due amount, then you are a delinquent customer and are accordingly reported to the bureau

The developer, Uniorbit, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

Contact Info
Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

Financial Info
Location
Contact Info
Identifiers
Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

Information

Provider

Uniorbit Technologies Private Limited

Size

89.3 MB