NX Wave. The next-gen credit card for those who love rewards.

1% Cashback5x RewardsZero Forex Markup

Earn 1% assured cashback on your spends. Get 5X

more value than cashback at the Uni Store. Enjoy

round the clock Whatsapp support. And it's

lifetime free; no joining fee, no annual charges.

1% assured cashback on your spends.The more you spend, the more you earn.
Not applicable on fuel purchase, utility bills, rent & wallet transfers, ATM withdrawals & international transactions.
5x more value than your cashback, only at the Uni Store.
Zero Forex Markup.
Go international, without any fees.

Lifetime free. No joining fee. No annual charges.


We’ve all heard of instant groceries, now say hello to
instant credit.

0% hassle, 100% paperless. Get your
Uni Card instantly.

With Uni,
you’re always in control.

Set your own payment limits. Choose how and where you spend. Lock and unlock your card. All right from the app.

Help, just a WhatsApp away. Anytime, Anyday.

During hectic work hours. On lazy sunday mornings. In the thick of night. Anytime.

No hidden charges, no last minute surprises.

100% money back guarantee if a charge is applied without your knowledge.

Super secure. Because we care about your money.

PCI Logo

At Uni, we’re committed to delivering an unmatched credit experience for millions of Indians.

On this mission, we’ve partnered with some of the best in the business.

sbm bank
yes bank

Please note that to stay compliant with RBI guidelines, we have discontinued Pay 1/3rd and Pay 1/2 cards for the time being.

Uni maintains the highest level of security standards