Uni : Next-gen cards & Paychek

115K reviews
Content rating
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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: Imagine a future where your salary arrives, before your salary day. A one-of-a-kind product, Paychek gives you credit every month, direct to your bank account.

👉🏼NX Wave Credit Card (Coming Soon) : The next gen card from the future. 1% cashback. 5x more value than your cashback at the Uni Store. Zero Forex Markup Fee.

👉🏼PowerUp by Uni (Coming Soon) : The future of earning consistent 9-11% returns on your investments is here.

And we’ve just got started. But let’s tell you more…

⚡️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

How to begin (Steps for existing Uni users)

1️⃣Subscribe to Paychek on the Uni app
2️⃣Pick a date and select your desired amount
3️⃣The same will be deposited into your bank account, every month
4️⃣Pay it back with your Uni bill


⚡️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.


🌊NX Wave Credit Card (Coming Soon)

The next-gen credit card for reward lovers is arriving soon. Powered by Visa, the 🌊NX Wave Credit Card brings you incredible experience and value like nothing you’ve seen before.

⭐ 1% cashback* on your spendings
⭐ 5x more value than your cashback at the Uni Store
⭐ 0% forex markup fee
⭐ Lifetime FREE: no annual or renewal fee
⭐ Choice of six breathtaking colors
⭐ Fuel surcharge waiver

*Not applicable on fuel purchase, rent & wallet transfers, ATM withdrawals & international transactions.

🚨And exclusive access to the Uni Store. One that promises a superior reward experience, you won’t find anywhere else. Here’s how:

🔥Earn Uni Coins every time you spend
🔥Exchange for cashback or an incredible 5x more value at the Uni Store
🔥Get to choose from lifestyle products across multiple categories at the Store. All from the brands you always loved

Your NX Wave Credit Card is super secure:

🔒Stay in control: manage your card and its limits
🔒Avoid mishaps: Freeze/unfreeze your physical card if lost
🔒Strong on privacy: Your data is stored securely on PCI-DSS-certified systems

Who can apply for the 🌊NX Wave Credit Card?

Existing users of the Uni app can sign up currently and get on the waitlist real quickly.

New users: Opening soon for you. Stay tuned.

😎PS: More new credit cards are coming up. Keep watching this space.


⚡️PowerUp by Uni (Coming Soon)

-> Earn consistent 9% returns on your idle money, without any ups and downs of the market.

-> Start investing as low as ₹10,000 and track your daily earnings in the Uni app

-> Unlike an FD, you can withdraw ANYTIME with our Flexi plan

→ You stay safe from market fluctuations and any unpredictability

To know more, you can always check our website 🌐www.uni.cards
Or send us an email to 📧care@uni.club
Updated on
May 29, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info, and Photos and videos
This app may collect these data types
Personal info, Financial info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

115K reviews
Abhijeet AK
April 26, 2023
Subpar service My payment was delayed as a result, which had an impact on my credit score. Three times I've encountered a transaction issue, and each time I had to call customer service to get it resolved because no one bothered to call or inquire as to why it occurred. If the consumer doesn't cross-verify on their end, the failed transaction is added to the bill and the customer is required to pay.
10 people found this review helpful
Uni Cards
April 26, 2023
Hi Abhijeete! We apologize if your experience with Uni has been unpleasant. Request you share your concern with us at care@uni.club or you can give us a call at 080-6821-6821 and we'll look into it right away.
Rahul P Hariharan
April 4, 2023
After RBI had put down all that regulations I thought like Slice, UNI too was done for. But they've simply turned everything around in such a strong and innovative way. Just started dipping my toe into their offerings, and I'm really impressed how well it's packed and implemented. App design in intriguing and it's fun to navigate around. Eagerly waiting for the Credit Card offering.
5 people found this review helpful
Uni Cards
April 4, 2023
Hello Rahul! This is amazing! Thanks, you made our day. We are delighted that you are enjoying using your Uni card! The team hopes to keep the good times rolling for you and everyone else too!
Ankit Insan
May 19, 2023
The powerup option is showing blank white screen. This is not acceptable as user is unable to track the funds as unable to withdraw in case of any emergency. Kindly fix this issue as soon as possible.
Uni Cards
May 19, 2023
Hi Ankit, we apologize if your experience with Uni has been unpleasant. Request you to share your concern with us at care@uni.club or you can give us a call at 080-6821-6821 and we'll look into it right away.