M16S / Unity Small Finance Bank / Unity Roarbank Credit Card
entry · cashback, lifetime-free, upi
Unity Roarbank Credit Card
The Unity Roarbank Credit Card charges no annual fee and no joining fee. It earns Not stated for general spends; flat 1% on utility payments and mobile top-ups. Accelerated earn: Up to 20% cashback on 2 categories chosen each month (rates per category may change monthly; not published). The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.3%a month
Apply on unity.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Joining fee nil, annual fee nil (MITC and product page). UPI transaction charges nil. |
Rewards
| Reward currency | Cashback |
|---|---|
| Base earn | Not stated for general spends; flat 1% on utility payments and mobile top-ups |
| Point value | Cashback is cash credited to Roarbank balance |
| Accelerated earn | Up to 20% cashback on 2 categories chosen each month (rates per category may change monthly; not published) |
| Caps | Maximum cashback Rs 2,500 per month; minimum redemption Rs 250 |
| Spends that earn nothing | Category and exclusion lists not published; cashback reversed on refunds |
| Reward notes | base_return_pct left null: the bank publishes no rate for spends outside the two chosen categories. 'Up to 20%' is a ceiling, not a rate. |
Travel and perks
| Forex markup | 3.5% |
|---|---|
| Other freebies | 2-in-1 card linked to a Roarbank digital savings account: payments settle from savings first, credit used only when needed; EMI conversion; interest-free period up to 62 days |
Charges and eligibility
| Interest per month | 3.3% |
|---|---|
| Late payment fee | 2% of amount due, minimum Rs 500 |
| Cash advance fee | 3.5% on withdrawals from credit limit (domestic and international ATMs); from linked savings funds 0% domestic, 2.5% international |
| Eligibility | Indian residents aged 21-60 with PAN and Aadhaar; salaried or self-employed; starter limit for applicants with no credit history. Apply in the Roarbank app with video KYC. |
| Fine-print notes | Roarbank is Unity Bank's own digital banking brand (site roar.unity.bank.in), not confirmed as a separate fintech partner; cobrand_partner holds the brand name. Interest 39.6% a year. Interest-free period 30-62 days including 3-day grace. Minimum amount due 5% of total, not less than Rs 500. Rent (MCC 6513) fee 1%. No over-limit facility. Credit limit up to Rs 3 lakh per the Roarbank site. |
Questions
- What is the annual fee of the Unity Roarbank Credit Card?
- No annual fee.
- What is the forex markup on the Unity Roarbank Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Unity Roarbank Credit Card?
- Category and exclusion lists not published; cashback reversed on refunds