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SBM Bank India (Uni)
Uni Lifetime Free Card
RuPay
Uni Lifetime Free Card
Uni's plain lifetime-free card is the simpler sibling to the Pay 1/3rd Card, for customers who want Uni's app experience and RuPay credit-on-UPI support without the automatic 3-way bill split, at the same zero-fee price point.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Benefits by category
- 🛍️ Shopping
2% reward rate
Eligibility
- Minimum credit score: 680
- Employment: salaried, self-employed
- Age: 21–58
Benefits
- Straightforward cashback card without the built-in EMI-split feature of Uni's Pay 1/3rd product, for users who prefer paying bills in full
Pros
- + No joining or annual fees for life
- + RuPay credit-on-UPI enabled for everyday scan-and-pay
- + Simple cashback structure without mandatory EMI splitting
Cons
- − Reward rate is unremarkable outside select bonus categories
- − No lounge or travel benefits
- − SBM Bank India's smaller offline support footprint
Best for