Grand UNI Carnival – Superb! Things About Grand Uni Carnival

A Grand Uni Carnival has been developed by Uni Cards as a gamified event. Most of the time, the credit card promotions we see are straightforward and say something like, “Spend X amount and get Y amount voucher.” However, at Uni Cards, the event is designed to be more like a game, similar to the kid-friendly carnival games.

Even while it functions mostly similarly to a conventional credit card on the outside, the Uni Pay 1/3rd card is NOT a credit card in the strictest sense. It effectively functions as a “Pay Later” or “Pay 1/3rd” card, allowing you to spend 30,000 INR this month and pay 10,000 INR per month for the following three months without incurring interest or other fees.

A modern fintech business called Uni Cards is on a mission to revolutionize how consumers use credit. Uni is changing the way traditional credit card products operate by reinventing the current credit products and providing millions of Indians with an unrivaled credit experience.

However, at Uni Cards, the event is designed to be more like a game, similar to the kid-friendly carnival games. Here is all the information you require regarding the Grand Uni Carnival by Uni Cards 

A Uni Card

The Uni Card: What Is It?

It might be challenging to choose which credit card is best for you because there are so many available. The Uni Card, however, might be your best choice if you’re seeking a credit card with lots of advantages. To start, the card gives a 1% reward on all complete payments and interest-free periods of 3 or 2 months. The card also comes with several features that are fantastic for customers.

A BNPL card called the Uni Card is provided by Uniorbit Technologies Pvt. Ltd. in collaboration with RBL Bank and SBM Bank. The Uni Card App, available for both Apple and Android smartphones, is used to issue and maintain the card. 

What Characteristics Do Uni Pay Cards Have?

  • There are no enrollment or yearly fees to obtain a UNI Pay card.
  • Without paying any additional fees, pay your monthly bills in three installments spaced out over three months or two installments spaced out over two months.
  • If you opt to pay in full after the 30-day grace period, you will receive 1% cashback as a reward.
  • The UNI Card, which offers a credit limit of between Rs. 20,000 and Rs. 6 lakhs, may be the ideal choice for first-time users.
  • Shortly, you’ll have the option to divide your expenditure into more inexpensive, lengthy EMI plans with lengths of 6, 9, and 18 months.
  • More than 99.9% of establishments in India that accept credit or debit cards also accept Uni Pay cards.
  • Shortly, you will be able to simply scan a barcode and pay with your credit line at the stores you want.
  • If UNI levies any fees without your awareness, you will get a complete refund.
  • The UNI customer service team can be reached via email at [email protected] or by WhatsApp at 080 68216821.
  • To prevent unwanted access, the UNI systems ensure complete data protection, security, and encryption.
  • Both Google Play and the App Store offer the opportunity to download the app.


  • No enrollment cost
  • Annual cost: 0
  • Up to 5.5% in carry forward fees.
  • Late payment penalty: based on the bill payment amount slabs.

Uni Card Variants

  • Pay 1/3rd Card – This card lets you divide your bill into three interest-free installments.
  • The Pay 1/2 Card lets you divide your bill into two interest-free installments.
  • Because interest does not start to accumulate until the first billing cycle’s payment due date, the Uni card is different from a conventional credit card in this regard. With this card, you can make purchases everywhere and just pay a third of the total price for bills, party costs, and clothing sales. Pay your monthly costs in three equal installments over three or two months, at no extra cost.
  • Receive a 1% guaranteed reward on your purchases.
  • Why at the Uni Store, you can get 5X more value than cashback. Enjoy
  • Support for WhatsApp is available 24/7. There is also no membership cost or yearly fee, and it is free for life.
  • 1% guaranteed reward on your purchases.
  • You make more money by spending more.
  • Excludes purchases of fuel, rent, wallet transfers, withdrawals from ATMs, and foreign transactions.
  • 5 times more value in the Uni Store than your cashback.
  • Forex Markup is 0%.
  • Travel abroad without paying any costs.
  • Free for life. No enrollment cost. No yearly fees.
  • 100% paperless, no trouble. Receive your Uni Card right away.
  • You constantly maintain control of it. Set your financial restrictions. Decide where and how much money to spend. Activate and deactivate your card. perfectly fine from the app.

Key Benefits of the UNI Carbon Credit Card 

  • Receive a welcome bonus of up to Rs. 300.
  • Earn 16 awards when you buy petrol (transaction value of Rs. 500 and above).
  • Earn Rs. for every Rs. 100 you spend on non-fuel transactions, and when your annual spending reaches Rs., you’ll receive Rs. Additionally, you’ll receive a 1% fuel surcharge waiver on transactions above Rs.

Who May Submit an Application for The UNI Pay Card?

To use the portal and Uni services, you must be an Indian citizen, at least 18 years old, and legally able to enter into contracts under the Indian Contract Act of 1872. A tax resident of India

How Do I Get A University Pay Card?

1. The application process for UNI cards is among the easiest.

2. Get the UNI card app from the Apple App Store or Google Play Store and install it.

3. Type in your cell phone number. OTP is used to verify it.

4.  The following three fields are your PAN number, PAN-assigned name, and date of birth.

5.  The app now retrieves your most recent credit report. To do so, it employs CRIF.

6. After reviewing your credit record, your available credit limit is shown.

7. Your card is generated after you agree to the terms and conditions. 

8. The virtual card is available for use right now. In a few days, the printed and delivered actual card will be mailed to you.

9. The physical card arrives in lovely packaging that also contains a face mask, a Toblerone chocolate, a personalized luggage tag, and the UNI Pay card.

UNI Cards’ Unique Features

Due to its straightforward user interface, simple card administration features, and—most significantly—its three-month interest-free repayment period, the Uni Card distinguishes out from the competition. Also included with the card is a terrific rewards program that gives 1% cashback on all full payments.

For people who are just starting, establishing credit may be a wise choice. In using this approach, you’ll create a solid foundation for your future borrowing needs. By making small steps to improve your credit score, you’ll be in a better position to get approved for a new credit card or even earn a lower interest rate on an existing card.

Offer Specifics 

  • Offer: Earn guaranteed cashback when you spend X dollars (the ultimate aim) and enter to win a Uni-Select Hamper using the tickets you earn by completing the extra tasks.
  • The circumstances Therefore, there are two prizes you might receive from the game: Uni-Select hampers for 2500 winners and cashback up to Rs. 10,000.

Hampers by Uni-Select

The tickets you acquire by achieving the goals and tasks can help you move closer to the Uni-Select Hampers, the contents of which are still a mystery. But this is just a wild guess, but I believe we can anticipate some gadgets/products and perhaps a few Toblerone chocolates.

Hampers from Uni-Select will be given to the top 2500 users with the most tickets. On April 4, hampers will be sent out, and they will arrive during the following 7 to 10 days. Along with the user’s winning guaranteed cashback, this functions as a bonus.

Rewards on Uni Cards

• If you have to divide your spending into three equal installments over three months, you receive a 1% incentive if you pay the bill within a month.

• If you must divide your expenses into two payments, you will still receive 1.2% in incentives if you pay the bill in one month.

• On Uni Store, you can receive up to 5X value.

UNI Card Credit Limit

With the Uni Card, you can choose your spending caps. By locking and unlocking the card from the app, you can further control how you want to use it.

Request a Uni Credit Card

Using the methods below, you can apply for a Uni Card:

Visit in the first step.

Step 2 asks for your name, contact information (including email address), and phone number. In step three, click “Submit.”

The fourth step involves a page redirect. 

Step 5: Apply for the Uni Card by following the directions on the page.

The Authenticity of UNI cards

Overall, the Uni Pay 1/3rd card has a strong support network, a nice welcome kit, a good credit limit, and a decent rewards program. If you like premium cards and are only interested in “rewards,” on the other hand, you might not find this appealing.


A UNI card can provide you with a respectable credit limit if you are a student or new employee so you can build a solid financial foundation for the future. You can also take advantage of the advantages that this card provides, such as interest-free payments for three months and 1% cashback on your entire purchase. The Uni card also comes with an easy-to-use app for managing your account. So, the Uni Card can be a fantastic choice for you if you’re seeking a credit card that has good advantages and is simple to use.


A beneficial occasion for Uni Cards’ intended audience, in my opinion. The targets are rather simple for most readers to hit in the carnival because they are already tailored for current cardholders based on past spending habits, credit limits, etc.

Additionally, I believe we should be able to gain “excellent” value from this Grand Uni Carnival, presuming that is the case as even this quick and straightforward targeted offer that I received.

If you’re not familiar with Uni Cards, you can read our review here or just open the app and start exploring the carnival right away. 


Which cities provide university cards?

In addition to Delhi, Mumbai, Hyderabad, Pune, Chennai, Kolkata, Ahmedabad, Lucknow, and Jaipur, Uni is also present in 47 more Indian cities. Visa powers the physical and digital Pay 1/3rd card.

What bank offers the Uni Card?

Uniorbit Technologies, in partnership with RBL Bank, State Bank of Mauritius, and Liquiloans, introduces the UNI Cards. It differs from ordinary credit cards in that interest starts accruing from the first billing cycle’s payment date.

Is buying a Uni Card worth it?

Overall, the Uni Pay 1/3rd card offers a smooth application process, a high-end welcome package, a respectable credit limit, fair rewards, and excellent customer service. However, if you enjoy premium cards and are only interested in “rewards,” this might not be appealing to you.

Can money be withdrawn with a university card?

Not taking out any money: A Uni card cannot be used to make an ATM cash withdrawal.

Is the Uni Card free for life?

Get your Uni Card right away by downloading the Uni Cards app. lifetime free; with no initiation price; no recurring fees.

Can I use my Uni Card to pay my credit card bill?

No, you are unable to pay other credit card bills with your UNI card. It can be used to make purchases both online and offline from businesses that accept Visa.

Can I make a bank account transfer from my uni credit card?

You can make a payment from your credit card to your bank account utilizing offline techniques including writing a check, RTGS, NEFT, or using an ATM.

What distinguishes a UNI Card from a conventional credit card?

A fintech company and a loan partner both promote UNI Card. You receive a BNPL loan in your name rather than a credit limit. This loan can be repaid in three or two interest-free payments and can be used to make purchases both online and offline.

 What credit limit am I eligible for with my Uni card?

With Uni Pay cards, applicants can currently receive credit limits of up to Rs. 6 lakhs.

Do they run a credit check before processing my application for a Uni Card?

Yes, they do this to process your University card.

Can I use my Uni card to make ATM withdrawals?

No, Uni cards cannot currently be used to withdraw cash from an ATM.

Can I make purchases overseas with my Uni card?

No, at this time Uni cards do not support international transactions.