Uni Cards review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Uni Cards is a rewards credit card with an annual fee of INR 0 and a currency conversion fee of 0%, so holding it costs nothing. It suits everyday spenders who want a card with no annual charge, a fuel surcharge waiver and rewards on what they already buy.
Key facts
- Best for
- Anyone who wants a rewards card with no annual fee and a fuel surcharge waiver.
- Annual fee
- ₹0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Perks
- Fuel surcharge waiver up to INR 500 per billing cycle, Issued by YES Bank and Bob (nxWave) (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- uni.cards
Apps and profiles
- Elsewhere
- X
Pros and cons
Pros
- Annual fee of INR 0, so there is nothing to pay to keep the card open.
- Currency conversion fee of 0%, which sits below the site median of 1%.
- Rewards are a listed feature, and a fuel surcharge waiver applies per billing cycle.
- Issued by YES Bank and Bob (nxWave), so the bank behind the account is named.
Cons
- Perks are narrow: rewards and a fuel surcharge waiver are the only extras listed, so the fuel surcharge waiver does nothing for anyone who does not drive.
- The account is issued by YES Bank and Bob (nxWave), so the balance sits with a pairing of issuers rather than a single name.
Who it suits
- Everyday spenders who want rewards on regular purchases and pay no annual fee.
- Drivers who fill up often, since the fuel surcharge waiver applies per billing cycle.
- Anyone who spends in a single currency, because the currency conversion fee is 0%.
Who should look elsewhere
- Varo Believe Secured Credit Card, if a secured card that builds credit matters more to you than rewards.
- Chime Card, if a secured Visa credit card with an annual fee of $0 suits you better.
- Wise, if a card priced in another market fits you better: its annual fee is £0.
Fees and currency costs
Uni Cards sets the annual fee at INR 0 and the currency conversion fee at 0% on its credit card account. Both are nil, so holding the card and converting money cost nothing. What remains is the interest and charges your issuer adds when you borrow or pay at a counter, so the card suits people who clear the balance and spend in a single currency.
Where it sits among rivals
On annual fee, Uni Cards holds position 1 among the 301 brands compared. The same card holds position 1 on the currency conversion fee among 181 brands compared. Sitting at the front of both cost tables is an unusual result for a card that also pays rewards.
How Uni Cards compares
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.2
8.9 vs 8.8
8.9 vs 9.4
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 9.0
8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
Frequently asked questions
What does Uni Cards charge as an annual fee?+
The annual fee is INR 0, so there is no charge to keep the card open each year. The card runs on a no annual fee model, and because it is a credit card account the fee line stays empty unless you add extras such as extra cards.
Is there a currency conversion fee when I spend abroad?+
The currency conversion fee is 0%. That places the card at position 1 among the 181 brands compared. This is the line to check first if you pay in a currency other than the one your account runs on.
What rewards does the card pay?+
Rewards are the single feature listed for the card. The perks also carry a fuel surcharge waiver that applies per billing cycle, so drivers who refill often get a second saving. The cost score here is 7.1, and the rewards sit on top of that low cost.
Who issues the card?+
The card is issued by YES Bank and Bob (nxWave), so both companies sit behind the account rather than a single bank. Rewards and the fuel surcharge waiver in the perks belong to that same arrangement, and the annual fee on the card is INR 0.
Who is this card suited to?+
It suits everyday spenders who want rewards on regular purchases and a fuel surcharge waiver for the drive to work, with an annual fee of INR 0. It also suits people who spend in a single currency, since the currency conversion fee is 0%.
How does it compare with other cards on cost?+
On annual fee the card holds position 1 among 301 brands compared, and on the currency conversion fee it holds position 1 among 181. Both are lines where cards commonly charge something, and the card scores 7.1 on cost.
Sources
- uni.cards checked September 26, 2026
Backs: Annual fee, Features, Currency conversion fee, Pricing model, Perks
“Zero Joining Fee. Zero Annual Fee. No minimum spends required.”
Compiled from 1 source page, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Rewards type.
Related by the facts
Uni Cards
Anyone who wants a rewards card with no annual fee and a fuel surcharge waiver.