Question 1

1. Is the Uni Pay 1/3rd Card considered a credit card?

Accepted Answer

Although the Uni Pay 1/3rd Card functions like a credit card by allowing EMIs, it is technically a Pay Later product. It offers a line of credit to split your expenses into three interest-free monthly installments, but it is not classified as a traditional credit card.

Question 2

2. Do I have to pay interest on purchases made with the Uni Pay 1/3rd Card?

Accepted Answer

No, the Uni Pay 1/3rd Card does not charge any interest on your purchases if repayments are made on time. However, a late fee is applied based on the amount due if you miss an installment.

Question 3

3. Does the Uni Pay 1/3rd Card offer any cashback or rewards?

Accepted Answer

Yes, you earn 1% cashback when you repay your total monthly bill in full. No cashback is provided for partial payments or missed dues.

Question 4

4. Is there a joining or renewal fee for the Uni Pay 1/3rd Card?

Accepted Answer

No, the Uni Pay 1/3rd Card comes with zero joining and renewal fees as part of its introductory offer.

Question 5

5. Can I use the Uni Pay 1/3rd Card for international transactions?

Accepted Answer

No, the Uni Pay 1/3rd Card cannot be used for any international purchases or foreign currency transactions.

Question 6

6. What are the eligibility criteria to apply for the Uni Pay 1/3rd Card?

Accepted Answer

To apply for the Uni Pay 1/3rd Card, you must be at least 18 years old and have a stable source of income. Basic identity, address, and income documents are required during the application process.

Question 7

7. Does the Uni Pay 1/3rd Card offer airport lounge access?

Accepted Answer

No, the Uni Pay 1/3rd Card does not provide domestic or international airport lounge access.

Uni Pay 1/3rd Card

Benefits & Features

Welcome Offer

Rewards Rate

Reward Type

Movie & Dining

Travel Benefits

Domestic Lounge Access

International Lounge Access

Premium Benefits

Insurance Coverage

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