How is the UNI card Different from Traditional Credit Cards?

The taboo of credits is still alive in society even today. The people of India still consider that credit is a headache, paying the high-interest rate within short tenure is not everyone’s cup of tea. Therefore the UNI card comes into the market, breaking the rituals of old credit cards. Although the UNI card is a credit card, it works more like the buy now pay later(BNPL) card. Uniorbit technologies in collaboration with RBL bank, Liquiloans and the state bank of Mauritius launched the UNI cards. The UNI card is not like the other traditional cards as it lets the consumers modify the bills into three different instalments, without charging any extra charges. In simpler words, you can customise your bill of INR 30,000 into three months by paying INR 10,000 each month without any interest. Moreover, if you fail to repay the bill in three months no extra amount will be charged.

The key benefits and features of the UNI card

There are over 100 credit cards in the market. But the UNI card is very different in various aspects from other credit cards and has admirable key features and benefits along. Some of the key benefits and features are down below:-

It lets you avail the benefit of cashback of 1% on full bill payment.
UNI team do not charge any joining fee or the annual fee.
It’s a lifetime free credit card.
Merchants all over the country do accept the UNI card for payment.
UNI card comes along with a minimum credit limit of INR 20,000 and the extended credit limit of INR 6 lakhs.
You can use the scan and pay method with the UNI card app.
The UNI team gives you a money-back guarantee if the extra amount is deducted without your concern.
This UNI card comes along with data safety and encryption so that no one misuses your card.
Avail the cashback of 1% on every retail spending.
You can make ⅓ payment on an emergency bill, fashion sales, essentials and groceries bill.
The new features will be added soon by which you can split your bill into 6 months, 8 months, 12 months and 18+ months.
The features, especially for food lovers, will be added soon where you can avail of the free subscription of Zomato pro.

Eligibility criteria and documents required for the UNI card

Every credit card has its eligibility criteria to fulfil. The individuals need to fall under the criteria and need to have documents ready before applying for the credit card. The essential document and criteria for the UNI card are as follows:-

You need to have your Aadhar card.
Address proof is a must to have while applying for this unique card.
The income proof document is also a must while applying for a UNI card.
Your age should be a minimum of 25 years old to be eligible for this card.
The maximum age limit to apply for this card is 60 years old.
You need to have citizenship in India to apply for this unique card. This card is made for Indians.
A credit score closer to 900 is a must. Therefore you need to have a credit score above 600 to apply for the UNI card.
The UNI team requires the stable income history of an individual for the approval of the UNI card.

UNI team customer care number

Among the multiple credit cards in the current market. The UNI card is one of the best credit cards in the market. Because it is among the best credit cards in India, the number of scammers is also high in the market. The scammers may ask you for your OTP number, credit card details and your bank account details using the UNI team name. The UNI team does not ask for such information mentioned above over a phone call. You can directly contact the UNI team if similar activities take place with you, on the customer care number 0806821682.