Uni : Next-gen cards & Paychek

Uni Cards

About this app

We are changing how India experiences credit. To one that’s simple, transparent, and effortless and is straight from the future. Here’s what it looks like:

Uni Paychek

Receive a fixed credit of up to ₹100,000 every month. Sent directly to your bank account. Just like a salary before your salary.

👉🏼Subscribe with a paperless one-time setup that takes less than 3 minutes

🗓Choose an amount and note the date. Your Paychek arrives on this date every month

🌟You get 15 days of free credit period each month

⏸Don’t need Paychek for a month? You can always pause it from the app

🔄Get 15-25 days more to clear your credit card bill, cover your SIPs and EMIs, and pay rent and utility bills…you can use Paychek for anything and everything

🎖Paychek is enabled by our partners - nationally recognized NBFCs that are regulated by RBI

😇Over 1 Lakh happy users have made Paychek a part of their monthly finances


How to begin (Steps for new users)

1️⃣Download the Uni app
2️⃣Check eligibility
3️⃣Complete KYC
4️⃣Subscribe to Paychek

Get a Paychek amount ranging from Rs. 15,000 to Rs. 1,00,000 every month
Tenure to repay - 24 months
Subscription fee - One time 100% refundable annual subscription fee ranging from Rs. 999 to Rs. 2,999 (incl. of GST) depending on the risk profile of the customer
Maximum APR (Annual percentage rate) is 48% + GST and it varies across risk profile of the customer
If repaid in 24 months applicable APR is charged
If repaid in full by due date - No interest, No additional charges

Example -
For Rs. 50,000 Paychek, with carryforward fee of 3.75% + GST and subscription fee of 999 :



Total loan amount = Rs. 50,000
Subscription fee = Rs. 999 incl. of GST
Carryforward fee applicable, If paid in full by due date = 0
Total amount to pay back = Rs. 50,999 incl. Of GST



Total loan amount = Rs. 50,000
Subscription fee = Rs. 999 incl. of GST
Carryforward fee applicable, If paid in 24 months = 19,276 + GST
Total amount to pay back = Rs. 70,275 + GST

*Carryforward fee varies based on customer risk profile.



⚡️Uni Cash

The quickest way to transfer your credit line to your bank account. Yep, that’s how simple it is.

✅Login to the Uni app, and look for Uni Cash

✅Check your offered cash limit, fees applicable if any

✅Select your amount and transfer it to your preferred bank account

✅The amount is transferred instantly.

Uni Cash limit ranging from Rs 15,000 to Rs. 1,50,000 every month
Maximum tenure to repay - 24 months
Convenience fee - ranging from 2.5% to 4.5% + GST depending on the risk profile of the customer
Maximum APR (Annual percentage rate) is 48% + GST and it varies across risk profile of the customer
If repaid in 24 months applicable APR is charged
If repaid in full by due date - No interest, No additional charges

Example -
For Rs. 50,000 Uni Cash, with carryforward fee of 3.75% + GST and convenience fee of 2.5% + GST :

Total loan amount = Rs. 50,000
Convenience fee = Rs. 1250 + GST
Carryforward fee applicable, If paid in full by due date = 0
Total amount to pay back = Rs. 51,250 + GST

Total loan amount = Rs. 50,000
Convenience fee = Rs. 1250 + GST
Carryforward fee applicable, If paid in 24 months = Rs. 19,276 + GST
Total amount to pay back = Rs. 70,525 + GST

*Carryforward fee varies based on customer risk profile.

Paychek and Uni Cash are loan products and reported as Personal Loan in the credit bureaus.

To know more, you can always check our website 🌐www.uni.cards
Or send us an email to 📧[e-mail]

List of partnered entities
NBFC - DMI Finance Private Limited
NBFC -NDX P2P PRIVATE LIMITED
NBFC - Transactree Technologies Private Limited
NBFC - Northern Arc Capital Limited

Ratings and reviews

This app has been a nightmare of an experience. Every now and then they update incorrect data that payment is due to the credit bureau and credit score takes a gigantic hit. My credit score dropped from 867 to 687 because of there negligence. It took more than a month of emails to finally get the data fixed. This is the second time it happened. And the irony is that I closed my Uni account in Dec, 2022.

Team Unicard It's been around two months since i downloaded the app for the card but since then it's just showing that your partner system is under maintenance. I had uninstalled and reinstalled the app thinking that it might be a glitch but it's still the shame. Kindly do something about it as it's really demotivating to opt for your card and facilities. I was looking forward eagerly for your card. Kindly look into the matter please.

Please don't fall for the fake "5 Star reviews" over here which have been popping up in recent times. "Our partner systems are under maintenance...", This has been the case, at least on my screen for the last month or so. Although customer support is quick to respond, it hasn't really fulfilled the purpose of rectifying the issue at hand. The technical team really needs to go back to "Uni" and relearn the ways of maintaining their Digital Infrastructure. Downloading the app is pointless atm...