All cards / Unity Small Finance Bank (Roarbank)
Roarbank RuPay Credit Card
RuPay
Roarbank RuPay Credit Card
Roarbank is Unity Small Finance Bank's UPI-linked RuPay card sold through its own Roarbank app, pairing a lifetime-free credit card with a bundled savings account. The headline draw is choosing two categories each month for up to 20% cashback, which rewards people willing to actively manage their category picks rather than a flat, set-and-forget rate.
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
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in dining, groceries. It's a lifetime-free card with no fee to track.
Benefits by category
- 🍽️ Dining & food delivery
20% reward rate (capped ₹1,000/monthly)
- 🛒 Groceries
20% reward rate (capped ₹1,000/monthly)
- 🌍 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
- Cardholders pick any two spend categories each month and earn up to 20% cashback on those, plus a flat rate on UPI and all other spends
- 2-in-1 product bundling the credit card with a Roarbank savings account, so cumulative balances across both can be tracked and interest is earned on the linked savings account
Pros
- + Genuinely lifetime free — zero joining, annual and renewal charges
- + Up to 20% cashback on two cardholder-chosen categories each month, well above typical entry-card rates
- + RuPay + UPI support means the card can be used for everyday UPI payments, not just card-swipe transactions
- + Up to 62 days of interest-free credit on purchases
Cons
- − The 20% rate only applies to two selected categories with a monthly cap — most spending still earns the base rate
- − 3.5% forex markup on international transactions plus separate cash-withdrawal fees and interest
- − Requires opening and using the Roarbank app/savings account rather than working as a standalone card product
Best for