Discontinued

This card has been discontinued

The Uni Pay 1/3rd Card is no longer offered. Uni (Unirewards Technologies) has moved on from the original 1/3rd product and now offers other credit products — including Uni GoldX and a UPI credit card — through the Uni app. If you’re researching the 1/3rd card, note that it’s been retired; explore Uni’s current line-up instead.

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Uni Pay 1/3rd Card Review (Discontinued)

Uni (Unirewards Technologies) · Former pay-in-3 card · Now replaced by GoldX / UPI products

Discontinued

Was a pay-in-3 card

Now: Uni GoldX / UPI

The Uni Pay 1/3rd Card was one of India’s better-known fintech cards, built around a simple idea: split every purchase into three equal monthly instalments at no extra cost. It has since been discontinued; this page explains what it offered and where Uni’s products stand today.

In short: The Uni Pay 1/3rd Card let you split spends into three interest-free monthly payments via the Uni app. It has been discontinued. Uni now offers other credit products — Uni GoldX and a UPI credit card — so new users should look at those (or alternative lifetime-free UPI cards) rather than the retired 1/3rd card.

What the Uni Pay 1/3rd Card offered

Split-in-3: every purchase was automatically divided into three equal monthly instalments, interest-free if paid on time.
Pay-in-full reward: users who chose to pay the full amount up front earned a small cashback/reward.
App-first experience: fully digital onboarding and management through the Uni app.

The product was reshaped following regulatory changes affecting fintech card-credit models, and Uni transitioned its offering. The 1/3rd card as originally marketed is no longer available.

What Uni offers now

Uni GoldX

Uni’s current product line, available via the Uni app.

Uni UPI credit card

A UPI-linked credit option from Uni — check the app for current terms.

slice UPI credit card

A lifetime-free UPI card alternative with up to 3% cashback.

Browse all reviews

Compare current UPI and no-fee cards.

Bottom line

The Uni Pay 1/3rd Card popularised interest-free split payments, but it has been discontinued. If the pay-in-3 idea appealed to you, look at Uni’s current GoldX/UPI products in the app, or a lifetime-free UPI card like slice that offers instalment options and cashback.

Frequently asked questions

Is the Uni Pay 1/3rd Card still available?

No — it has been discontinued. Uni now offers other credit products such as Uni GoldX and a UPI credit card via its app.

What did the 1/3rd card do?

It split every purchase into three equal interest-free monthly instalments, managed through the Uni app.

What should I use instead?

Consider Uni’s current app products, or a lifetime-free UPI card such as the slice UPI credit card.

Updated June 2026. The Uni Pay 1/3rd Card is discontinued — check the Uni app for current products and terms.