CRED: UPI, Bills, Credit Cards vs. Uni Cards Utilizzo e statistiche

CRED is a members-only app for all payment experiences. Trusted by over 14 million+ creditworthy members, CRED rewards you for the payments & good financial decisions you make. What payments can you make on CRED? → Pay credit card bills: Check credit information & manage credit cards without downloading multiple credit card apps. → Online payments: Pay via UPI or credit card when you checkout from brands like Swiggy & Myntra via CRED pay. → Send money to anyone: Use CRED UPI to pay phone numbers or UPI IDs. Pay anyone even if they use a UPI app that’s not CRED. → Transfer money to the bank: Send rent or education fees from your credit card. → Pay bills: Pay utility bills, credit card EMI bills, DTH bills, mobile recharge, house/office rent, and more. Get payment reminders so you never miss a due. What else can you do with a CRED membership? → Manage credit cards: Add and manage multiple credit cards on CRED → Check bank balance & credit score: Track your credit score report → Set up UPI Auto Pay: Enable Auto Pay for recurring payments → View hidden charges: Automatically detect hidden charges on your credit cards & get alerted on duplicate transactions → Get smart statements: Keep track of how you use your credit card with smart statements → Earn rewards: Get more than just regular credit card points. Unlock exclusive perks & privileges, just for being a CRED member Upgrade your lifestyle with CRED: → Curated shopping experience on CRED store → Curated stays & holiday packages on CRED escapes at special prices → Manage vehicles’ insurance, FASTag, PUCC, and more on CRED garage → Get pre-approved personal loans on CRED cash Bills you can pay using credit card or UPI: Rent: Pay your house rent, maintenance, office rental, security deposit, brokerage, etc. Education: College fees, school fees, tuition fees, etc. Telecom Bills: Recharge your Airtel, Vodafone, Vi, Jio, Tata Sky, DishTV, prepaid or postpaid connections, broadband, landline, cable TV, etc. Utility Bills: Electricity bills, LPG cylinder, piped gas, water bill, municipal tax, etc. Other Bills: Fastag recharge, insurance premium, loan repayment, etc. How to be a CRED member? → CRED is built to reward creditworthy individuals. To become a CRED member, you need a credit score of 750+. → The process is simple → Download CRED → Fill your name, mobile number & email ID → Get a free credit score report → If your credit score is 750+, you will get a prompt to verify credit card details → Enjoy the privileges of being a CRED member What is Credit Score? → Check your credit score on CRED, no matter what credit card you have → Each credit score has a different scale → A score of 700+ on CRIF & Experian is considered to be good → A higher credit score is an indicator of good financial behavior Credit scores shown on CRED: There are 4 credit bureaus in India - Experian, Equifax, CRIF & CIBIL. CRED can showcase your CRIF, Experian & Equifax credit scores and helps track these credit scores individually. Can CRED help in improving credit score? With CRED make bill payments on time which will help improve your credit score over time. Credit Cards supported on CRED: HDFC Bank, SBI, Axis Bank, ICICI Bank, RBL Bank, Kotak Mahindra Bank, IndusInd Bank, IDFC First Bank, YES Bank, Bank of Baroda, AU SMALL FINANCE BANK, Federal Bank, Citi Bank, Standard Chartered Bank, SBM BANK INDIA LIMITED, DBS Bank, South Indian Bank, AMEX, HSBC Bank, all VISA, Mastercard, Rupay, Diners club, AMEX, Discover credit cards. Lending partners on CRED: IDFC First Bank Limited, Crédit Saison - Kisetsu Saison Finance (India) Private Limited, Liquiloans - NDX P2P Private Limited, Vivriti Capital Pvt Ltd, DBS Bank India Limited, Newtap Finance Pvt. Ltd. Contact us Have things on your mind? Don’t keep it to yourself. Contact us at feedback@cred.club. Pay anyone via UPI, clear all your bills, improve your credit score & earn rewards with CRED. Download Now.

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Uni Cards

We are changing how India experiences credit. To one that’s simple, transparent, and effortless and is straight from the future. Here’s what it looks like: -------------------------------------- NX Wave Credit Card The next-gen credit card for reward-lovers is here. Issued by SBM Bank & Yes Bank in co-brand partnership with Uniorbit Platform Services Private Limited, the NX Wave Credit Card brings you an incredible experience and value like nothing you’ve seen before. What the Wave brings you: > 1% cashback* on your spendings > 5x more value than your cashback at the Uni Store > 0% forex markup fee. Pay nothing extra on international transactions > Lifetime FREE: no annual or renewal fee > Choice of six breathtaking colors > Fuel surcharge waiver * Not applicable on fuel purchase, rent & wallet transfers, ATM withdrawals & international transactions. Your NX Wave Credit Card is super secure: * Stay in control: manage your card and its limits from the Uni app * Avoid mishaps: Freeze/unfreeze your physical card if lost * Strong on privacy: PCI-DSS certified, so your data is always safe -------------------------------------- Uni Paychek Receive a credit of up to ₹100,000 every month. Sent directly to your bank account. Just like a salary before your salary. * Subscribe with a paperless one-time setup that takes less than 3 minutes * Note the eligible amount and Paychek date basis plan. Your Paychek arrives on this date every month * You get 15/30 days of credit period each month, depending on the plan selected * Don’t need Paychek for a month? You can always pause it from the app * Get 15/30 days more to clear your credit card bill, cover your EMIs, and pay rent and utility bills…you can use Paychek for anything and everything * Over 2 Lakh happy users have made Paychek a part of their monthly finances You can also choose from 2 variants 15 day and 30-day plans. The 30-day plan comes with a nominal subscription fee. Try it today! How to begin (Steps for new users) 1. Download the Uni app 2. Check eligibility 3. Complete KYC 4. Subscribe to Paychek Paychek details - Paychek amount upto Rs 1,00,000 every month Min Tenure to repay - 24 months & Max tenure to repay - 24 months Subscription plan : 15 day & 30 day Subscription fee - Zero fee for the 15-day plan & One-time subscription fee of Rs 1999 (including GST) for 30 day plan Max APR (Annual percentage rate) is 48% + GST ( this includes carry forward fee ) and it varies across the risk profile of the customer If repaid in 24 months applicable APR is charged If repaid in full by the due date - zero APR is charged Example of a Paychek transaction with Rs 50,000 Amount : Amount : Rs 50,000 Annualised Carry Forward fee (Interest) : 45% p.a + GST Subscription Plan : 30 Day Subscription Fee : Rs 1999 Disbursal Amount : Rs 50,000 If repaid by due date Carry forward fee ( Interest ) = 0 Total amount to be paid = Rs. 51,999 incl. Of GST If repaid in 24 months Carry forward fee = Rs 19,276 + GST Total amount to be paid = Rs. 71,275 + GST * Carry forward fee varies based on customer risk profile. -------------------------------------- To know more, you can always check our website paychek.uni.club and www.uni.cards or send us an email to care@uni.club Office Address Uniorbit Technologies Pvt Ltd. (Uni Cards) No.3, B Nexus, 3rd Block, Koramangala 1A Block, SBI Colony, Koramangala, Bengaluru, Karnataka 560034 -------------------------------------- All loans are facilitated through Uniorbit Technologies Pvt Ltd (LSP and DLA) in partnership with lending partners (RBI regulated entities) as given below. NBFC - NDX P2P Private Limited (“Liquiloans”) NBFC - Transactree Technologies Private Limited (“Lendbox”) NBFC - Northern Arc Capital Limited NBFC - Kisetsu Saison Finance (India) Private Limited