Uni Cards

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:
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NX Wave Credit Card
The next-gen credit card for reward-lovers is here. Issued by SBM Bank & Yes Bank in co-brand partnership with Uniorbit Platform Services Private Limited, the NX Wave Credit Card brings you an incredible experience and value like nothing you’ve seen before.
What the Wave brings you:
> 1% cashback* on your spendings
> 5x more value than your cashback at the Uni Store
> 0% forex markup fee. Pay nothing extra on international transactions
> 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.
Your NX Wave Credit Card is super secure:
* Stay in control: manage your card and its limits from the Uni app
* Avoid mishaps: Freeze/unfreeze your physical card if lost
* Strong on privacy: PCI-DSS certified, so your data is always safe
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Uni Paychek
Receive a 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
* Note the eligible amount and Paychek date basis plan. Your Paychek arrives on this date every month
* You get 15/30 days of credit period each month, depending on the plan selected
* Don’t need Paychek for a month? You can always pause it from the app
* Get 15/30 days more to clear your credit card bill, cover your EMIs, and pay rent and utility bills…you can use Paychek for anything and everything
* Over 2 Lakh happy users have made Paychek a part of their monthly finances

You can also choose from 2 variants 15 day and 30-day plans. The 30-day plan comes with a nominal subscription fee. Try it today!
How to begin (Steps for new users)
1. Download the Uni app
2. Check eligibility
3. Complete KYC
4. Subscribe to Paychek
Paychek details -
Paychek amount upto Rs 1,00,000 every month
Min Tenure to repay - 24 months & Max tenure to repay - 24 months
Subscription plan : 15 day & 30 day
Subscription fee - Zero fee for the 15-day plan & One-time subscription fee of Rs 1999 (including GST) for 30 day plan
Max APR (Annual percentage rate) is 48% + GST ( this includes carry forward fee ) and it varies across the risk profile of the customer
If repaid in 24 months applicable APR is charged
If repaid in full by the due date - zero APR is charged
Example of a Paychek transaction with Rs 50,000 Amount :
Amount : Rs 50,000
Annualised Carry Forward fee (Interest) : 45% p.a + GST
Subscription Plan : 30 Day
Subscription Fee : Rs 1999
Disbursal Amount : Rs 50,000
If repaid by due date
Carry forward fee ( Interest ) = 0
Total amount to be paid = Rs. 51,999 incl. Of GST
If repaid in 24 months
Carry forward fee = Rs 19,276 + GST
Total amount to be paid = Rs. 71,275 + GST
* Carry forward fee varies based on customer risk profile.
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To know more, you can always check our website paychek.uni.club and www.uni.cards or send us an email to [email protected]
Office Address
Uniorbit Technologies Pvt Ltd. (Uni Cards)
No.3, B Nexus, 3rd Block, Koramangala 1A Block, SBI Colony, Koramangala, Bengaluru, Karnataka 560034
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All loans are facilitated through Uniorbit Technologies Pvt Ltd (LSP and DLA) in partnership with lending partners (RBI regulated entities) as given below.
NBFC - NDX P2P Private Limited (“Liquiloans”)
NBFC - Transactree Technologies Private Limited (“Lendbox”)
NBFC - Northern Arc Capital Limited
NBFC - Kisetsu Saison Finance (India) Private Limited