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Unity Small Finance Bank · RuPay · हिन्दी

Roarbank RuPay Credit Card: full review

The Roarbank RuPay Credit Card is a lifetime-free starter card that bundles a credit limit, a savings account and UPI payments, which is a genuinely useful combination for someone with no credit history. The "up to 20% cashback" headline is the part to read carefully: it applies only to two categories you pick each month, at rates the bank sets monthly and shows only in its app. We have not modeled it in our calculator and cannot say what it will return for you. Check the current category percentages in the app before you apply, and remember that 1% fees on fuel, wallet and utility spends can reduce what you actually keep.

Apply now ↗Annual fee: Lifetime free
Last updated: October 2026 · Current terms verified
UNITY SMALL FINA
RuPay
)))
ROARBANK
ASHOK KUMAR
12/28
Lifetime freeAnnual fee
No points, only cashback, and only on two categories you choose each month. On the 1st of every month you pick two categories in the Roarbank app (such as grocery, fuel, restaurants, conveyance or entertainment). Only spends in those two categories earn cashback, and if you do not pick, you earn nothing that month. The bank sets each category percentage monthly, up to a maximum of 20%, and shows the actual rates only inside its app, so our calculator does not model this card's cashback. Total cashback is capped at ₹2,500 a month, you need ₹250 saved up to withdraw it, and it is credited against your card bill with no redemption fee.Reward structure
NoneLounge access
Lifetime free: no joining, annual, renewal or card replacement feeCredit card, savings account and UPI in one: the card is linked to a mandatory Roarbank savings account that earns 4.5% up to ₹1 lakh, 6% up to ₹10 lakh and 7% aboveRuPay card you can link to a third-party UPI app to pay merchants from your credit limitInstant credit limit of up to ₹3 lakh (subject to eligibility), with no credit history neededUp to 62 days of interest-free credit, including a 3-day grace period, if the previous dues are paid in fullPick 2 cashback categories each month for up to 20% on a category, capped at ₹2,500 a monthCashback also applies to international spends, calculated on the converted rupee valueInstant virtual card in the app, with the black physical card delivered free
Apply now ↗ Min. income: Not publicly specified (no credit history needed) · Credit score: No credit history required
Pros and cons
Pros
✓ Genuinely lifetime free, with no credit history required
✓ The linked savings account pays 4.5% to 7% interest, which is unusual alongside a credit card
✓ Cashback is real money against your bill: no points and no redemption fee
✓ RuPay and UPI-enabled, so you can pay by QR code from your credit limit
Cons
✗ Only the two categories you choose each month earn anything, and if you forget to pick, you earn no cashback that month
✗ The bank publishes only the 20% maximum: the actual category percentages change monthly and are visible only in its app, so the headline is not a rate you can plan around
✗ Cashback is capped at ₹2,500 a month, and the bank can reverse cashback it judges to be misuse or gaming
✗ A 1% fee applies to fuel, wallet-load and utility spends above ₹5,000 a month in each group, which can eat into cashback on those categories
✗ 3.5% forex markup, and interest of 39.6% a year (3.3% a month) if you do not pay in full
✗ Late fee of 2% of unpaid dues (minimum ₹750), with no lounge access and no insurance cover
✗ You can only apply through the app, and closing the card can also close the linked savings account
Quick facts
Issuer Unity Small Finance Bank
Network RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Interest rate 3.3% per month (39.6% a year)
Fee waiver Not needed, lifetime free with no renewal fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified (no credit history needed)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → No credit history required
SourceUnity Small Finance Bank's published card terms and official card page · Last updated October 2026
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Frequently asked questions
The annual fee for Roarbank RuPay Credit Card is Lifetime free. This card is lifetime free with no annual fee.
No points, only cashback, and only on two categories you choose each month. On the 1st of every month you pick two categories in the Roarbank app (such as grocery, fuel, restaurants, conveyance or entertainment). Only spends in those two categories earn cashback, and if you do not pick, you earn nothing that month. The bank sets each category percentage monthly, up to a maximum of 20%, and shows the actual rates only inside its app, so our calculator does not model this card's cashback. Total cashback is capped at ₹2,500 a month, you need ₹250 saved up to withdraw it, and it is credited against your card bill with no redemption fee.
Roarbank RuPay Credit Card is best for New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories. The Roarbank RuPay Credit Card is a lifetime-free starter card that bundles a credit limit, a savings account and UPI payments, which is a genuinely useful combination for someone with no credit history. The "up to 20% cashback" headline is the part to read carefully: it applies only to two categories you pick each month, at rates the bank sets monthly and shows only in its app. We have not modeled it in our calculator and cannot say what it will return for you. Check the current category percentages in the app before you apply, and remember that 1% fees on fuel, wallet and utility spends can reduce what you actually keep.
The minimum income requirement for Roarbank RuPay Credit Card is Not publicly specified (no credit history needed). A minimum credit score of No credit history required is also recommended.
Roarbank RuPay Credit Card does not offer airport lounge access.
Roarbank RuPay Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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