All cards / SBM Bank India (Uni)
SBM Bank India (Uni)
Uni Pay 1/3rd Card
RuPay
Uni Pay 1/3rd Card
Uni's 'Pay 1/3rd' card, issued via SBM Bank India, bakes no-cost 3-month EMI conversion into the product itself — every transaction can automatically be split into three equal monthly payments instead of paying the full bill at once. It suits people who want built-in cash-flow flexibility more than maximum reward rates.
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 650+ 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: 650
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Every bill can be split and repaid in three equal, no-cost EMIs over 3 months, an option baked into the card's core design rather than an add-on feature
- RuPay credit-on-UPI support for scan-and-pay use
Pros
- + Every purchase can be split into 3 equal no-cost monthly installments by default
- + No joining or annual fees
- + RuPay credit-on-UPI enabled for everyday scan-and-pay spending
Cons
- − Reward/cashback rates are modest compared to dedicated rewards cards
- − No lounge access or travel benefits
- − The EMI-split feature adds complexity to statement tracking versus a plain-vanilla card
Best for