Unity Small Finance Bank Ltd

Roarbank Rupay Credit Card

Get RuPay credit card with UPI and up to 20% cashback. Lifetime free credit card, no credit history needed, no hidden fees

Utility Bills
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Issued by

Unity Small Finance Bank Ltd

Roarbank Rupay Credit Card image
Joining FeeFree
Annual FeeFree
Income₹25000
Credit Score720

Key Highlights

Utility Bills

Earn a Flat 1% Cashback on all Utility Bill Payments

and mobile top-ups every month, regardless of the categories you select

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

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree
Joining Fee OffsetNot Applicable
Annual FeeFree
Annual Fee WaiverNot Applicable
Estimated Annual Saving₹10000

Rewards & Redemption

Reward ConversionN/A
Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement

Earning ExclusionsRent Payment, Insurance, Cash Withdrawls, School & Educational Services, GST Charges, Tolls
Spend ExclusionsRent Payment, Insurance, Cash Withdrawls, School & Educational Services, GST Charges, Tolls

Benefits

All 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

Dining Benefits

  • Restaurants/dining is one of the selectable monthly cashback categories, When chosen, you earn cashback up to 20% on dining spends, subject to the ₹2,500 monthly cap

Fuel Benefits

  • Fuel is one of the selectable monthly cashback categories. When chosen, you earn cashback up to 20% on fuel spends

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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