Uni Pay 1/3rd Card

Uni Cards (Uni Pay 1/3 Card) is an Indian fintech credit card product launched in 2021 in partnership with RBL Bank (a scheduled commercial bank) and Liquiloans (an NBFC), offering a distinctive "pay in 3" instalment model as the primary value proposition rather than standard foreign transaction fee savings.

The Uni Card's core product is a 1/3rd payment card: any transaction can optionally be split into 3 equal monthly instalments at zero interest, automatically. This is different from standard EMI (which requires applying for conversion) — all transactions default to the 1/3rd split unless the cardholder opts out. For Indian consumers making planned international purchases, this creates a de facto interest-free short-term financing option.

The foreign transaction fee situation has evolved since launch. Early Uni Card promotions offered zero forex fee on international transactions, which was a strong differentiator. Current terms (as of 2026) should be verified directly with Uni, as promotional terms and permanent terms have changed. Users should check the current forex fee schedule before using the card internationally.

The reward programme earns Uni points on spending, redeemable for cashback or partner benefits. The rewards structure is more attractive for domestic spending than for international use, given the potential forex fee applicability.

RBL Bank is a private sector scheduled commercial bank regulated by the RBI. The Uni app interface is well-designed for mobile-first users, with clear transaction history, instalment management, and payment scheduling features.

For Indian consumers whose primary interest is the pay-in-3 instalment product for domestic and online purchases, Uni Cards is a useful fintech credit tool. For international travel-specific FX optimisation, verifying the current forex fee terms before relying on the card abroad is strongly recommended, as the original zero-fee promotional terms have not been consistently maintained as a permanent feature.