UNIcard review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
UNIcard is a Visa card that combines everyday spending with a points programme and virtual card access. It suits people who want to collect points through partner stores and online shopping while managing the account through an app and website.
Key facts
- Best for
- Everyday spending with points and virtual access
- Monthly fee
- GEL 0 (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Universal Card Corporation LLC (Source, checked September 26, 2026)
- Headquarters
- Georgia (Source, checked September 26, 2026)
- Founded
- 2010 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card
- Official website
- unicard.ge
Credit cards
- Annual fee
- GEL 0 (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Rewards rate
- Varies by partner retailer (Source, checked September 26, 2026)
- Perks
- Free plastic and virtual card, Loyalty points redeemable for catalogue gifts, service vouchers and fuel coupons, Pay utility bills, internet, TV and phone bills and top up mobile with points via Upera, Points collection at partner stores country wide and online shopping, Mobile application and website account management (Source, checked September 26, 2026)
- Legal entity
- Universal Card Corporation LLC (Source, checked September 26, 2026)
- Headquarters
- Georgia (Source, checked September 26, 2026)
- Founded
- 2010 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Virtual card
Apps and profiles
- Get the app
- App Store
Pros
Pros
- Visa card with virtual card option for online purchases
- Points collection at partner stores and across online shopping
- Account management through mobile application and website access
Who it suits
- Everyday shoppers collecting points on routine purchases
- Cardholders who manage accounts by app and website
How UNIcard compares
Where UNIcard is available
- Available
- Georgia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What type of card is UNIcard and which network does it use?+
UNIcard operates on the Visa network and includes both plastic and virtual card options. The virtual card feature supports online shopping alongside in store use. The setup gives cardholders flexibility for different everyday payment needs.
How does the UNIcard points programme work?+
Points build through partner stores country wide and through online shopping. Collected points can be exchanged for catalogue gifts and service gift cards. Points can also go toward utility, internet, TV and phone bills and mobile top ups through Upera.
How can cardholders manage a UNIcard account?+
Cardholders can manage the account through the mobile application and the website. Both routes cover everyday account tasks and keep card details within easy reach. The access supports people who prefer digital oversight of routine spending.
Does UNIcard charge a monthly fee?+
The monthly fee at UNIcard is GEL 0. (Source, checked September 26, 2026)
Which company operates UNIcard?+
UNIcard is operated by Universal Card Corporation LLC. (Source, checked September 26, 2026)
Where is UNIcard based?+
UNIcard is based in Georgia. (Source, checked September 26, 2026)
When was UNIcard founded?+
UNIcard was founded in 2010. (Source, checked September 26, 2026)
How can I contact UNIcard support?+
UNIcard offers support through Phone, Email, Help-centre. (Source, checked September 26, 2026)
Sources
- unicard.ge/en/faq checked September 26, 2026
Backs: Annual fee, Features, Founded, Legal entity, Pricing model, Monthly fee, Card network, Perks, Rewards rate, Rewards type, Support channels
“Unicard is free, you can get plastic card in our service centers. ... Virtual Unicard is also free”
- unicard.ge/ge/uperaterms checked September 26, 2026
Backs: Headquarters
“payment service provider LLC 'Pay Unicard' ... legal address: Tbilisi, 25-27-29/4 Petriashvili St.”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Card type, Protection.