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Uni Credit Cards

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Last updated: 30 July 2026

Explore top cards like the Uni Pay 1/3rd Card, Uni Pay Gold X Card.


Read our full Uni guide →

2 Cards Found

Uni Pay 1/3rd Card credit card design

Uni Pay 1/3rd Card

The Uni Pay 1/3rd Card is a distinctive "Pay 1/3rd" or "PayLater" card designed to offer users the flexibility of buying now and paying later without ...

Joining Fee:

Lifetime Free


Renewal Fee:

Lifetime Free


Reward Type:

Cashback

ShoppingUtilities
Uni Pay Gold X Card credit card design

Uni Pay Gold X Card

The Uni GoldX credit card is a compelling mid-range offering that stands out with its unique reward system of earning 24K Gold on all spends. This car...

Joining Fee:

Lifetime Free


Renewal Fee:

Lifetime Free


Reward Type:

Cashback

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Uni's Credit Card

Uni's original Uni Pay 1/3rd Card, zero fee, earning cashback on shopping, dining, and fuel, built around Uni's pay-in-3-installments, zero-interest structure, has been discontinued.

Uni's currently active product is the Uni Pay Gold X Card - also zero joining and zero renewal fee, but built around a "24K Gold" rewards model: every transaction earns gold-equivalent rewards, with accelerated rates of up to 8% back on partner brands, 50% back on PVR & INOX movie tickets (requires monthly spending of ₹10,000+), and unlimited 7% back on flights booked via the Uni Store. It also carries zero forex markup across 180+ countries and a fuel surcharge waiver of up to ₹500 per billing cycle.

Uni's Card Lineup

CardFeeReward TypeBest For
Uni Pay Gold X CardLifetime FreeCashbackActive - 24K Gold rewards on every spend, zero forex markup, 50% back on PVR/INOX

How to Choose

1

Uni's active product is Uni Pay Gold X Card

Uni Pay 1/3rd Card, zero fee with its pay-in-three-parts structure, has been discontinued. Uni's current card is the Uni Pay Gold X Card - also zero joining/renewal fee, earning rewards as 24K Gold on every spend, with zero forex markup and up to 50% back on PVR/INOX.

Frequently Asked Questions

Clear, concise answers to help you understand this card better.