Uni
Uni Credit Card
Best for rewards, lifetime-free
Lifetime free · 1.5x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
Lifetime free
Reward rate
1.5x
Min. income
₹2,50,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹2.50 lakh/yr · CIBIL 650+
Reward cap
Uncapped
Welcome benefit
Not published
Who is this for
- Rewards optimiser
- Fee-averse spender
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Issuer
Headquarters
Mumbai, Maharashtra
Established 2018
Website
uni.moneyFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Late payment | ₹500 | Not waivable |
| Annual fee | ₹0 | N/A (no annual fee) |
| Forex markup | Not published | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1% assured cashback on all spends; 5X value (5% effective) on Uni Store | Uncapped | Cash credit on card statement |
| UTILITY_BILLS | 2.00 | — | 1.00 |
Benefits
-
Domestic lounge access
None
-
International lounge access Highlight
None
-
Milestone benefits Highlight
Not published
-
Fuel surcharge waiver
Not published
Eligibility
- Age
- 18–65 years
- Min. income
- ₹2,50,000
- Min. credit score
- 650+
- Employment
- Salaried, self-employed, student
- Documents
- PAN, Aadhaar, video KYC
Uni Credit Card is a VISA credit card from Uni. It is best suited for rewards, lifetime-free.
Fees and rewards
- Annual fee: Nil
- Joining fee: Nil
- Rewards: 1.5X rewards on all spends
Eligibility
PAN, Aadhaar, video KYC
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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