What is the Uni 1/3rd feature?

Uni Cards automatically splits every transaction into three equal parts: one-third charged this month, one-third next month, one-third the following month — at zero extra cost. There's no interest if you follow this schedule. It's a built-in pay-in-3 structure, not a loan.

Is Uni Cards good for international travel?

Partly. The 1.5% forex markup is better than most Indian bank credit cards (which charge 2–3.5%) but worse than Scapia (0%) or Niyo Global (0%). For large one-off international purchases where you want to spread payment, Uni makes sense. For everyday travel spending, Scapia is cheaper.

Uni Cards vs Scapia — which is better for international spending?

Scapia wins on forex fees: zero vs Uni's 1.5%. Uni wins if you want the 1/3rd payment flexibility for large purchases. For pure international travel, Scapia is the better card. For someone who values instalment flexibility over rate savings, Uni has its niche.

Credit · Visa7/10

Uni Pay 1/3rd Card

Name: Uni Pay 1/3rd Card Review — Forex Fees, ATM Costs & Verdict
Item: Uni Pay 1/3rd Card
Rating: 7
Author: Aayush Jain

Reviewed by Aayush JainUpdated May 2026

Pay in thirds over 3 months at no extra cost — innovative buy-now-pay-later credit card for Indian consumers.

Visit Uni Cards (Liquiloans / IDFC)

Forex fee

1.5%

ATM fee

2.5%

Monthly fee

Free (no annual fee on base card)

Network

Visa

Available in

India

ATM detail: Cash advances attract 2.5% fee. Not recommended for ATM use.

Our verdict

Uni Cards' core innovation is the 1/3 payment split — not forex savings. The 1.5% forex markup means it's not in the same league as Scapia or Niyo Global for pure international spend efficiency. Where Uni stands out is for larger international purchases where splitting payment over 3 months at no interest is genuinely useful. For frequent small travel spends, use Scapia or Niyo instead.

Pros

Pay 1/3rd now, 1/3rd next month, 1/3rd the month after — at zero extra charge
No annual fee
Visa network — accepted globally
Rewards on international and domestic spending
Innovative flexible payment structure

Cons

1.5% forex markup on international transactions (not zero like Scapia or Niyo)
Main value proposition is the 1/3rd payment split, not forex savings
TCS applies on international spending above ₹7 lakh/year
Requires credit approval
Cash advances expensive

Best for

Indian consumers wanting buy-now-pay-in-thirds flexibilityThose making large international purchases wanting to split paymentUrban Indian spenders who prefer BNPL structure