UNIcard review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
UNIcard is a Georgian credit card that costs nothing to hold, with an annual fee of GEL 0 and rewards paid in points rather than cash. It suits people in Georgia who shop with partner retailers and pay bills with Upera, and rewards type of points keeps the value in points you redeem yourself.
Key facts
- Best for
- Georgian cardholders who want no annual fee and points rather than cashback.
- Annual fee
- GEL 0↗
- Rewards type
- Points↗
- Rewards rate
- Varies by partner retailer↗
- 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↗
- Legal entity
- Universal Card Corporation LLC↗
- Headquarters
- Georgia↗
- Support channels
- Phone, Email, Help-centre↗
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- unicard.ge
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Annual fee of GEL 0 for the credit card
- Rewards are points, with a rate that Varies by partner retailer
Cons
- Reward value depends on partner retailers, since the rate Varies by partner retailer
- Points are redeemed through a partner platform such as Upera rather than as points cash
- Support runs on phone, email and help centre only
Who it suits
- Georgian residents who shop often at partner stores country wide
- People who pay utility bills, internet, TV and phone bills with points via Upera
- Cardholders who want a free plastic and virtual card in one place
Who should look elsewhere
- Anyone outside Georgia, where GE is the home market and points collect only at partner stores country wide
- People who want rewards as cash, since UNIcard pays in points rather than cashback
The company behind it
UNIcard is operated by Universal Card Corporation LLC, which is based in Georgia. The card carries no annual charge, and account management runs through a mobile application and website, so most day to day tasks such as checking points and paying bills sit in the same app. Help is available on phone, email and help centre, which covers phone, email and a help centre for anyone who cannot get through the app.
How UNIcard compares
Where UNIcard is available
- Available
- Georgia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does UNIcard cost to hold?+
The annual fee is GEL 0, so the credit card carries no yearly charge. The plastic and the virtual card are also included, which means nothing is payable to get hold of the card in the first place. Rewards come on top rather than as a paid extra.
What kind of rewards does UNIcard pay?+
UNIcard pays in points rather than cashback, so the value sits in what you redeem. Points convert into catalogue gifts, service vouchers and fuel coupons, and the rate Varies by partner retailer, which means the return depends on where you shop.
Where do I earn points?+
You collect points at partner stores country wide and through online shopping, so ordinary local spending is what drives the balance. The rewards rate Varies by partner retailer, so partner retailers set the return. Points then cover gifts, vouchers and fuel rather than cash.
Can I pay bills with my UNIcard points?+
Yes. Points cover utility bills, internet, TV and phone bills, and a mobile top up, all through Upera. That is the main way the balance turns into savings rather than shopping, alongside catalogue gifts, service vouchers and fuel coupons.
Who is UNIcard aimed at?+
It suits people in GE who shop with partner stores and pay their household bills through Upera, since points collect at partner stores country wide. It is less useful for anyone spending in several countries, because collection is tied to the partner network in that market.
Sources
- unicard.ge/en/faq checked September 26, 2026
Backs: Annual fee, Features, Pricing model, 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/en/uperaterms checked September 26, 2026
Backs: Headquarters, Legal entity
“legal address: Tbilisi, V. Petriashvili str. #25-27-29/4 ... actual address: Tbilisi, Vazha-Pshavela ave. 71, 3rd floor”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.