M16S / Unity Small Finance Bank / Unity Bank BharatPe Credit Card
entry · rewards, cobrand, lifetime-free, upi
Unity Bank BharatPe Credit Card
The Unity Bank BharatPe Credit Card charges no annual fee and no joining fee. Its base return is 2%. The forex markup is 3.5%. Lounge visits in India: 2 per calendar quarter. Abroad: 2 per calendar year. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 2%
- Forex markup
- 3.5%
- Interest
- 2%a month
What changed on this card
- Unity Bank BharatPe card earns 2% on all bill-period spend slabs from Aug 2025
From 14 August 2025 the rewards table shows one 2% rate across all Bill Period Unpaid Spends slabs. Until 13 August 2025 the rate was 0% on Rs 1 to Rs 999, 1% on Rs 1,000 to Rs 9,999 and 2% on Rs 10,000 and above. Rewards are Zillion Coins (4 Zillion Coins = Rs 1). Source: Unity Small Finance Bank, unity.bank.in, read 28 Oct 2026
- Unity Bank BharatPe card lets spends from Rs 1,000 go to up to 12 EMIs from Aug 2025
From 14 August 2025 bill period unpaid spends of Rs 1,000 and above convert to up to 12 EMIs as opted by the cardholder, at 24% APR on reducing balance. Until 13 August 2025 spends of Rs 1,000 to Rs 9,999 converted to 3 EMIs and only Rs 10,000 and above could go up to 12 EMIs. Source: Unity Small Finance Bank, unity.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Nil joining and annual fee. No add-on card fee (not applicable). EMI processing and foreclosure fees nil. Card replacement nil. |
Rewards
| Reward currency | Zillion Coins |
|---|---|
| Base earn | 2% of bill-period unpaid spends (BPUS) of Rs 1,000 and above, as Zillion Coins, earned on repayment of principal |
| Base returnunverified | 2% |
| Point value | 4 Zillion Coins = Re 1 |
| Caps | No earn cap stated. Redemption against card dues capped at Rs 5,000 worth of coins per billing cycle. |
| Spends that earn nothing | Fees, charges, interest and tax components earn nothing; bill amounts of Rs 1-999 earn nothing; no merchant category restrictions stated; gold/jewellery purchases are not EMI-eligible and are declined |
| Points expiry | Per Zillion programme terms; coins lapse on card closure |
| Reward notes | base_return_pct = 2% as stated by the bank (coins worth 2% of repaid principal at 4 coins = Re 1). Coins accrue proportionately as EMIs are repaid, are forfeited on EMI foreclosure, and can be revoked if dues stay unpaid more than 45 days. If spends are taken as EMI the 2% a month interest outweighs the reward. MITC rate table from 14 Aug 2025 omits the Rs 10,000+ slab; KFS says 2% in every slab. |
Travel and perks
| Domestic lounge | 2 per calendar quarter |
|---|---|
| International lounge | 2 per calendar year |
| Lounge conditions | RuPay lounge programme; RuPay exclusive lounge at Delhi IGI T3 domestic departure excluded |
| Forex markup | 3.5% |
| Fuel surcharge waiver | None stated; 1% fuel surcharge applies |
| Other freebies | One free health check-up package a year for the primary cardholder; UPI on credit card |
Charges and eligibility
| Interest per month | 2% |
|---|---|
| Late payment fee | Rs 40 (below 100); Rs 90 (101-250); Rs 150 (251-500); Rs 250 (501-1,000); Rs 500 (1,001-2,500); Rs 750 (2,501-5,000); Rs 900 (5,001-7,500); Rs 1,000 (7,501-10,000); Rs 1,500 (10,001 and above) |
| Cash advance fee | ATM cash not permitted; online cash withdrawal to registered bank account Rs 15 per transaction |
| Eligibility | Indian national aged 21-65; salaried min income Rs 2.5 lakh a year; self-employed Rs 5 lakh a year. Only through the BharatPe app. |
| Fine-print notes | EMI-first card: minimum amount due equals total amount due, so there is no revolving. Unpaid bill-period spends of Rs 1,000 and above auto-convert to EMIs (up to 12 months, tenure chosen at onboarding or 24 hours before billing) at 24% APR reducing balance; Rs 1-999 must be paid in full. Overdue interest 2% a month. Interest-free period 15-48 days, not on amounts converted to EMI. No over-limit. Rent fee nil. MITC dated April 2026, KFS Feb 2025. The bank's listing page advertises '8 complimentary domestic lounge access' a year. |
Questions
- What is the annual fee of the Unity Bank BharatPe Credit Card?
- No annual fee.
- Does the Unity Bank BharatPe Credit Card give airport lounge access?
- Yes. In India: 2 per calendar quarter. Outside India: 2 per calendar year. Conditions: RuPay lounge programme; RuPay exclusive lounge at Delhi IGI T3 domestic departure excluded
- What is the forex markup on the Unity Bank BharatPe Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Unity Bank BharatPe Credit Card?
- Fees, charges, interest and tax components earn nothing; bill amounts of Rs 1-999 earn nothing; no merchant category restrictions stated; gold/jewellery purchases are not EMI-eligible and are declined