Uni Cards claims to be a new-age fintech with a mission to reimagine and deliver an unmatched credit experience to millions of Indians. Uni Cards has developed first of a kind innovation that lets users pay their monthly spends in 3 parts over 3 months for no extra charges. For example, one can divide their spending in three parts for three months for no extra charges. A bill of ₹15000 is divided into 3 payments of ₹5000 for the next three months. One can also choose to pay in full like usual post 30 days’ free credit period and enjoy 1% rewards. Backed by VISA, Uni Pay 1/3rd card is accepted at 99.9% of the merchants across the country that accept credit or debit cards.