Uni
Uni Pay Credit Card
Best for upi, cashback, lifetime-free
Lifetime free · 2x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
Lifetime free
Reward rate
2x
Min. income
₹2,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹2 lakh/yr · CIBIL 650+
Reward cap
Uncapped
Welcome benefit
Not published
Who is this for
- Cashback seeker
- Fee-averse spender
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- 2.5% cash-advance fee
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) |
| Cash advance | 2.5% of amount | Not waivable |
| Forex markup | Not published | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1% assured cashback on all eligible spends (excluding fuel, utility bills, rent, wallet transfers, ATM withdrawals, i… | Uncapped | Cash credit to card statement. 5X value applies only to Uni Store purchases. |
| ONLINE | 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
- ₹2,00,000
- Min. credit score
- 650+
- Score note
- Stable income
- Employment
- Salaried, self-employed, student
- Documents
- PAN, Aadhaar (video KYC)
Uni Pay Credit Card is a VISA credit card from Uni. It is best suited for upi, cashback, lifetime-free.
Fees and rewards
- Annual fee: Nil
- Joining fee: Nil
- Rewards: 2X rewards on UPI
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.
← All credit cards · All Uni cards · All Visa cards
