Unity Small Finance Bank Ltd
Roarbank Rupay Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹450 Rewards
Top Benefits
Up to 20% Cashback on Selected Categories
as one of your two monthly cashback categories and earn up to 20% cashback on those spends, up to ₹2,500 per month
Earn a Flat 1% Cashback on all Utility Bill Payments
and mobile top-ups every month, regardless of the categories you select
Best For
Utility Bills
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Lifetime-free RuPay credit card linked to a Roarbank savings account
- Pay via UPI using your credit limit, earn up to 20% cashback on two self-selected categories each month, max ₹2,500/month
- flat 1% cashback on utility bills and mobile top-ups
- Credit limit up to ₹3 lakh, with up to 62 days interest-free period, including a 3-day grace period
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement
To check redemption catalogue
N/A
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Unity Small Finance Bank Ltd Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Unity Small Finance Bank Ltd Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Insurance
Cash Withdrawls
School & Educational Services
GST Charges
Tolls
For Spends Waiver
Rent Payment
Insurance
Cash Withdrawls
School & Educational Services
GST Charges
Tolls
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.3% per month (39.6% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.3% |
ATM withdrawal 3.5% of the withdrawn amount is charged on cash advances using the credit card | 3.5% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees No Cash payment fee is charged | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| 2% of the total amount due | Minimum of 500 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹450 Rewards
Top Benefits
Up to 20% Cashback on Selected Categories
as one of your two monthly cashback categories and earn up to 20% cashback on those spends, up to ₹2,500 per month
Earn a Flat 1% Cashback on all Utility Bill Payments
and mobile top-ups every month, regardless of the categories you select
The smartest way to find your great credit card
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Company
We value your time and privacy. Your details stay secure and are used only to help you.