All cards / Unity Small Finance Bank (BharatPe)
Unity Bank BharatPe RuPay Credit Card
RuPay
Unity Bank BharatPe RuPay Credit Card
Built jointly by Unity Small Finance Bank and BharatPe, this RuPay card is genuinely lifetime free — no joining, annual, processing or foreclosure fees — and leans on an EMI-first design that lets any purchase be converted into a fixed-tenure EMI, aimed at BharatPe's merchant and small-business user base rather than premium travel spenders.
Rates and fees last verified 19 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
2%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+. It's a lifetime-free card with no fee to track.
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- Zillion Coins earned on every spend across all merchant categories (uncapped), worth up to 2% cashback, redeemable via the BharatPe app for vouchers, products or statement credit
- Flexible EMI conversion on purchases with tenures up to 12 months and an auto-EMI feature, plus complimentary domestic and international lounge access and preventive health check-ups
Pros
- + Zero joining fee, zero annual fee, zero processing fee and zero foreclosure charges — no fee scenario the fine print can spring on you
- + Uncapped 2% cashback via Zillion Coins across every merchant category, unlike most entry cards that restrict bonus earning to a handful of categories
- + RuPay network enables UPI-linked credit card payments through the BharatPe app
- + Flexible EMI conversion up to 12 months with prepayment allowed at no penalty
Cons
- − 3.5% forex markup is high for anyone spending internationally
- − Rewards and support are routed through the BharatPe app rather than a traditional bank credit card portal, which some users find less familiar
- − Lounge access and health check-up perks are lightly documented compared with mainstream premium cards