Unity Small Finance Bank
Roarbank RuPay Credit Card
Data last verified: 28 September 2026
- Joining feeFree
- Annual feeFree
- Reward rate0% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup3.5%
- Interest (APR)3.3% a month, 39.6% a year
The Roar Bank RuPay card comes bundled with a savings account. The card is lifetime free, with no joining or annual fee, and because it runs on RuPay you can use it to pay at any UPI QR code.
Each month you can earn up to 20% cashback on a selected category, and you get up to 62 days of interest-free credit if you pay in full. The linked savings account pays up to 7% interest a year.
It suits young earners and UPI-first users who want a free card for daily payments. The catch is that 20% is the upper limit on a rotating category rather than a flat rate, and the 3.5% forex markup makes it a poor choice for foreign spends.
Best for: UPI-first users, Young earners wanting a free card, People who want a card and savings account together.
01Roarbank RuPay Credit Card Rewards and Benefits
02Roarbank RuPay Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.3% a month (39.6% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0%₹0
- Back each month, ₹0 a year₹0
- In your pocket each year₹0
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Anyone who wants no annual fee, ever
Skip it if…
- most of your spending is wallet top-ups: those earn nothing on this card
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.3% a month (39.6% a year) outweighs any reward
04Product Details
- Lifetime free, no joining or annual fee
- RuPay card that works with UPI
- Up to 20% cashback on a selected category each month
- Up to 62 days interest-free credit
- Linked savings account with up to 7% interest a year
- 3.5% forex markup
05Pros and Cons
Pros
- No fees at all
- UPI payments on credit
- Long interest-free period
- High interest on the linked savings account
Cons
- 20% cashback is an upper limit on selected categories, not a flat rate
- 3.5% forex markup
- No lounge or travel benefits
06How Roarbank RuPay Credit Card earns Rewards
0% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0% | No cap | The card's normal rate |
| Online shopping | 0% | No cap | The card's normal rate |
| Dining and food delivery | 0% | No cap | The card's normal rate |
| Groceries | 0% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0% | No cap | The card's normal rate |
| Fuel | 0% | No cap | The card's normal rate |
| Bills and recharges | 0% | No cap | The card's normal rate |
| Rent | 0% | No cap | The card's normal rate |
| Insurance premiums | 0% | No cap | The card's normal rate |
| School and college fees | 0% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 0% | No cap | The card's normal rate |
| Everything else | 0% | No cap | The card's normal rate |
Terms on the base rate. No base earn, Roarbank pays cashback ONLY on two categories the cardholder picks in the app each month, and nothing at all if no selection is made (MITC §10(b)). Category rates vary monthly and cap at 20%; total cashback caps at ₹2,500 a calendar month, ₹250 minimum to withdraw
07Roarbank RuPay Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0% back (the normal rate). See what it costs on your trip
08Roarbank RuPay Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
Documents. PAN card, shown on the Video KYC call Aadhaar number Income details typed into the app, with no income documents to upload
09Recent Changes
What Unity Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 26 Jun 2026 | Reduced: Unity introduces a 1% transaction fee on fuel, wallet top-ups and utility spendsSource: Unity Small Finance Bank | No category transaction fees | 1% of the transaction amount, above ₹5,000 cumulative monthly spend per MCC group |
| 2025 | Changed: Roarbank RuPay credit card goes live with Unity Small Finance Bank | - | App-first lifetime-free RuPay/UPI card with up to 20% category-choice cashback |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to Roarbank RuPay Credit Card
Roarbank RuPay Credit Card is a cashback card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Roarbank RuPay Credit Card |  HSBC Live Plus Credit Card |  Kiwi Credit Cards |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | Lifetime free |
| Annual fee | Lifetime free | ₹999 + GST | Lifetime free |
| Rewards | 0% on most spends | 1.5% base, up to 10% on dining | 1% base, up to 1.5% on UPI payments |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Cashback | Dining | Cashback |
11Explore More
Card facts last verified 28 September 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the Roar Bank RuPay card free?
Yes. It is lifetime free with no joining or annual fee.
Can I use it on UPI?
Yes. It is a RuPay credit card, so you can link it to UPI and pay at QR codes.
How does the cashback work?
You can earn up to 20% cashback on a selected category each month. The rate depends on the category and offer.
Who can apply?
Applicants aged 18 to 65.
What is the joining fee for the Roarbank RuPay Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Roarbank RuPay Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Unity Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
