https://www.desidime.com/comments/permalink/10130437
Where you applied? any link? usually uni card is invite only how you got it? can you share your experience
Got Yes bank Uni NX wave credit card...As LTF...
Hi ,
Earlier I used niyo dcb and niyo sbm card for my foreign trips but due to ongoing changes in niyo, I was looking for a zero markup cc. And i got to know about this uni cc, so i applied it...
And within four days the card got approved and delivered to me with a credit limit of 252000 and it's a LTF cc...
I'm currently using 5 other cc's with a total limit of 625000 , my credit history is 9 yrs old and my cibil score is 780 and Experian score is 795...
I say this is a must CC for all the travel lovers, and one should go for it...
Thanks desidime group...
- Groups
-
Finance
-
Credit Card
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Top Comments
https://www.desidime.com/comments/permalink/10130441
@DEEPANGEORGE applied it through uni app, kyc done within minutes, not invite now, its open to all...
View 12
more replies
https://www.desidime.com/comments/permalink/10130583
Were you able to select bank of your choice?
https://www.desidime.com/comments/permalink/10130655
@stoptomove no, currently they are issuing with yes bank only...
https://www.desidime.com/comments/permalink/10130801
approximately when you got invited?
View 1
more reply
https://www.desidime.com/comments/permalink/10130885
I think Previously UNI was associated with RBL when i got the card. So, now shifted to Yesbank
https://www.desidime.com/comments/permalink/10130993
* I wonder if this works for yes Bank offers else as I said no use for me for 1percent cb * does anyone know?
https://www.desidime.com/comments/permalink/10131390
Except for federal Bank cobranded cards almost all cards provide instant discount
View 7
more replies
https://www.desidime.com/comments/permalink/10131071
Nice limit! I got the SBM Bank Uni NX Wave CC LTF with pathetic 60K limit, as I already had Yes Bank one and Yes Bank RuPay one. 0% forex is its only plus point (but no rewards on forex txns). Those who've gotten cards like SBI Cashback or BOB Eterna can profit more by paying even forex charges as the cashback/reward rate is higher than forex charges.
https://www.desidime.com/comments/permalink/10132086
@brok47 jb shiddat se koi chiz chahiye hoti haina tb BC milti hi nh h...🤣 , mjhe AU and idfc ke card chahiye, but nh mil rhe... Isliye kismat pe chhod do...aur bhul jao...
hume tb milenge jb saale pure devaluation ho jayenge...🤣
View 7
more replies
https://www.desidime.com/comments/permalink/10131389
I keep getting messages on WhatsApp to apply
But I already have yes bank finbooster card
https://www.desidime.com/comments/permalink/10131583
Niyo Global Card
.
IDFC WoW Card
.
RBL World Safari Card
.
Federal Scapia Card
.
Axis Burgundy Private Card
.
Indus Indie Mega Star Visa Signature Card
.
Indusind Exclusive Pioneer
.
AU Ixigo Card
.
Yes Bank Uni NX Wave Card
https://www.desidime.com/comments/permalink/10131634
AU not available at all pincodes...
Scapia not boarding new customers...
Indie ke liye account open krna pdega...
RBL ke annual charges jyada h...
Niyo is still good but usme apna pesa add krna pdta h...still I have that one...
Idfc wow fd card is a headache...
Uni i got it...
But still good options...
View 14
more replies
https://www.desidime.com/comments/permalink/10131801
Is it worth? 1% cashback is not exciting enough when other cards give more.. any good reason to keep it other than zero markup?
https://www.desidime.com/comments/permalink/10132040
@hemant_prasad231 totally depends on u, i have other cashback cc's but i was in need of zero markup card so i applied it...
View 1
more reply
https://www.desidime.com/comments/permalink/10132652
No cashback on bills and utility
https://www.desidime.com/comments/permalink/10132658
This card is only useful for 0% forex which is very good for the ones who uses it, other than that no use:) so dont have high hopes for it:)
https://www.desidime.com/comments/permalink/10132682
After video KYC my application is on hold.....looks like I will not get the credit card.
https://www.desidime.com/comments/permalink/10132978
they rejected my card , apply after some tiime. already having 15+ cards.
https://www.desidime.com/comments/permalink/10132983
@Rohit80555 Like Having bank balance of lakhs does not guarantee visa of Europe, same as having tons of credit cards does not guarantee that u r eligible for new cards as well... It's a total misconception...
Wait and try ur luck again...
View 1
more reply
https://www.desidime.com/comments/permalink/10133041
Isn't prepaid cards better because the cash withdrawal charge is lesser compared to 0 markup CCs?
https://www.desidime.com/comments/permalink/10133413
Ok, card applied. Now I have to apply for passport.
https://www.desidime.com/comments/permalink/10133433
Red flag:
They are asking permission for CIBIL check as well as Employment records from EPFO.
https://www.desidime.com/comments/permalink/10133583
To verify if you are employed or otherwise or even a government employee or not for their risk assessments I think... Earlier they used to do in person verification, now all is automated electronically, industry has changed a lot...
It's not that I'm supporting this move of theirs, just wondering...
https://www.desidime.com/comments/permalink/10133683
Can v pay education fee of University in Australia with this card ??
https://www.desidime.com/comments/permalink/10133921
I had their 1/3 split card earlier till they shut shop due to rbi rules.
I still have their account till now with query as personal loan in cibil records and had also applied post their introduction for which I got 2.43 lk wait list number. I followed up with then several times being an old customer to take request to issue the next wave card but no positive results and have been informed to wait. Should I close mmthe personal loan record in cibil?
https://www.desidime.com/comments/permalink/10135153
Nothing is showing in my app
https://www.desidime.com/comments/permalink/10136271
This type of message appear while opening app.
https://www.desidime.com/comments/permalink/10136355
well then wait for 3 months they will allow you to apply, its what happened for me in Dec 2023 i think and then finally got it in 3months
https://www.desidime.com/comments/permalink/10145563
- 1. Cashback will not be provided on Fuel, Wallet load, Rent (MCC 6513), Govt MCC, ATM Withdrawal, Utility payments, EMI transaction, Cash Advance, Fees and Charges, MI Transactions and Forex.
- 2. Fuel Surcharge Waiver valid for transaction upto ₹7500 only; Maximum Surcharge waiver per statement cycle: ₹500
Click here to reply
Reply
![Fresh Fortune Chana dal 1kg and other items [location speciifc]](https://cdn2.desidime.com/topics/photos/1884462/medium/Screenshot2024-11-26at5.27.13PM.png?1732622473)
Nice limit! I got the SBM Bank Uni NX Wave CC LTF with pathetic 60K limit, as I already had Yes Bank one and Yes Bank RuPay one. 0% forex is its only plus point (but no rewards on forex txns). Those who've gotten cards like SBI Cashback or BOB Eterna can profit more by paying even forex charges as the cashback/reward rate is higher than forex charges.
Niyo Global Card
.
IDFC WoW Card
.
RBL World Safari Card
.
Federal Scapia Card
.
Axis Burgundy Private Card
.
Indus Indie Mega Star Visa Signature Card
.
Indusind Exclusive Pioneer
.
AU Ixigo Card
.
Yes Bank Uni NX Wave Card
AU not available at all pincodes...
Scapia not boarding new customers...
Indie ke liye account open krna pdega...
RBL ke annual charges jyada h...
Niyo is still good but usme apna pesa add krna pdta h...still I have that one...
Idfc wow fd card is a headache...
Uni i got it...
But still good options...
they rejected my card , apply after some tiime. already having 15+ cards.
@Rohit80555 Like Having bank balance of lakhs does not guarantee visa of Europe, same as having tons of credit cards does not guarantee that u r eligible for new cards as well... It's a total misconception...
Wait and try ur luck again...