Issuer · 1 cards · updated 2026-09-19

Uni credit cards, ranked

Every Uni card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.

Best Uni credit card (Sept 2026): Uni (Yes Bank RuPay) Uni Card – score 29/100, ₹3,036 net a year for the standard profile. 1 Uni card on CardLens: 1 lifetime free, 0 with lounge access, 1 on RuPay UPI.

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top 1 Uni cards

Uni (Yes Bank RuPay)RuPay · UPI

Uni Card

Net savings₹3,036/yr

Savings rate0.8%

Annual feeFree for life

Lounge✈ none

✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.

Details

All 1 Uni cards

Uni credit cards ranked
#	Card	Score	Net savings / yr	Type	Annual fee	Lounge
1	Uni CardUni (Yes Bank RuPay)	29/100	₹3,036 0.8% rate	Cashback · UPI · 3.5% forex	Free for life	No lounge access

Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →

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Other banks

HDFC Bank Axis Bank ICICI Bank SBI Card American Express HSBC IDFC FIRST Bank Kotak Mahindra Bank Federal Bank Bank of Baroda IndusInd Bank AU Small Finance Bank Yes Bank RBL Bank Standard Chartered Punjab National Bank OneCard DBS Bank CSB Bank

Frequently asked questions

Which Uni credit card is best?

For the standard ₹32k/month profile, Uni (Yes Bank RuPay) Uni Card scores highest (29/100, ₹3,036 recurring net savings). Your own spend can change the order – use Find My Card.

Which Uni credit card is lifetime free?

Uni Card is lifetime free on CardLens data.

Which Uni credit card gives airport lounge access?

No Uni card on CardLens carries complimentary lounge access.