Lifetime-Free RuPay Credit Card on UPI with 2-in-1 Savings Account and Dynamic Cashback
Everyday UPI spending, dynamic monthly cashback categories, and high-yield savings integration.
Free
One-time upfrontFree
Lifetime Free — no renewal fee1% on utilities & mobile top-ups; up to 20% on 2 monthly selectable categories
On eligible spends3.50% + GST
Cross-currency spendsLast verified 25 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Roarbank Credit Card, issued by Unity Small Finance Bank, is an innovative 2-in-1 digital product integrating a RuPay credit card on UPI directly with a linked zero-balance Roarbank Savings Account. Marketed with zero joining and renewal fees (Lifetime Free), the card allows customers to manage credit and deposit funds in a single app. Cardholders earn 1% cashback on utilities and mobile recharges year-round, plus dynamic monthly cashback up to 20% across two user-selected spending categories (capped at ₹2,500/month). Linked savings account balances earn tiered interest up to 7.00% p.a. Note that an application for the card also opens the linked Roarbank Savings Account, and foreign transactions incur a 3.50% markup fee.
Seamlessly integrates a RuPay credit card on UPI with a Roarbank savings account. Earn tiered interest on savings balances: 4.50% p.a. up to ₹1L, 6.00% p.a. between ₹1L–₹10L, and 7.00% p.a. above ₹10L.
Select two categories every month (groceries, dining, conveyance, entertainment, fuel) in the Roarbank app for up to 20% cashback. Monthly cap of ₹2,500 with minimum ₹250 withdrawal directly to card balance.
Earn a guaranteed 1% cashback on all utility bill payments and mobile recharges at all times, regardless of monthly category selection.
Enjoy zero joining fee and zero annual renewal fee for life, accompanied by an interest-free credit period of up to 62 days (including 3-day RBI grace period).
Convert eligible purchases of ₹2,000 and above into flexible 2 to 24-month EMIs at a low monthly interest rate of 1.00% with automatic monthly balance adjustment. Foreclosure fee is 2% of outstanding principal. (Note: Official tariff specifies ₹2,000 minimum transaction, while select promotional marketing references ₹1,000).
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Utility Payments & Mobile Top-ups (Always-On) | 1% cashback | 2,500 INR (₹)/mo | Fuel, Wallet, Rental, Government, Cash, Educational |
| Dynamic Selection (2 Monthly Categories, Up to 20% Cashback) | Up to 20% cashback | 2,500 INR (₹)/mo | Non-selected categories, Fuel surcharge waiver, Wallet loads, Rental, Cash |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Utility Payments & Mobile Top-ups (Always-On) | ₹6,000 | 1% cashback | — | ₹2,500/monthly | Calculating... | Under cap |
| Dynamic Selection (2 Monthly Categories, Up to 20% Cashback) | ₹6,000 | Up to 20% cashback | — | ₹2,500/monthly | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining & Annual Fee: ₹0 (Lifetime Free / LTF) • Card Renewal Fee: NIL • Linked Product: Roarbank Savings Account (Account opened concurrently during onboarding) • Savings Account Interest: Tiered interest on savings balance (Up to ₹1L: 4.50% p.a.; ₹1L–₹10L: 6.00% p.a.; Above ₹10L: 7.00% p.a.) [Note: Savings interest is separate from credit rewards] • UPI Integration: Native RuPay Credit Card on UPI • Credit Limit: Up to ₹3,00,000 (Subject to dynamic Unity Small Finance Bank underwriting) • Interest-Free Period: Up to 62 days (including 3-day RBI grace period) • Finance Charges: 3.3% per month (39.6% per annum) • Rewards Currency: Real INR Cashback (Tracked in Roarbank app) • Permanent Cashback: 1% on utility payments and mobile top-ups at all times • Selectable Monthly Cashback: Up to 20% cashback across 2 user-selected categories each month (grocery, fuel, restaurants, conveyance, entertainment, etc.) • Monthly Cashback Cap: ₹2,500 per calendar month (Combined cap across categories) • Minimum Cashback Redemption: ₹250 (Withdrawn directly to card/account balance) • Utility Transaction Fee: 1% fee (+ GST) applies to transactions exceeding cumulative monthly spend of ₹5,000 within specific utility MCC groups • Fuel Transaction Fee: 1% fee (+ GST) applies to transactions exceeding cumulative monthly spend of ₹5,000 within specific fuel MCC groups (No standard fuel surcharge waiver) • Wallet Load Transaction Fee: 1% fee (+ GST) applies to transactions exceeding cumulative monthly spend of ₹5,000 within specific wallet MCC groups (Non-reward spend) • Foreign Currency Markup: 3.50% + GST (International usage supported where enabled in app) • ATM Cash Withdrawal: Savings Balance: Domestic Free (0%), International 2.50%; Credit Limit: 3.50% (Domestic & International) • Late Payment Fee: Credit limit < ₹5,000: Flat ₹100 + GST; Credit limit ≥ ₹5,000: 2% of unpaid dues (Min ₹750, Max ₹1,200) + GST • Minimum Amount Due (MAD): 5% of total dues (Min ₹500) • Transaction EMI: Transactions ≥ ₹2,000 convertible to 2–24 months EMI at 1% interest per month (Foreclosure: 2% of outstanding principal). Note: Official tariff establishes ₹2,000 minimum transaction threshold, while marketing copy mentions 'from ₹1,000'.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Roarbank Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Unity Small Finance Bank Limited portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: Everyday merchant UPI payments, online shopping, and digital gold savings.
Rewards: 3% on UPI, 5% on online & gold
Last verified 25 Oct 2026
Best for: Credit building, new-to-credit customers, and daily UPI payments via novio app with zero annual fees.
Rewards: Up to 10% novio Coins on merchant UPI spends via novio UPI
Last verified 25 Oct 2026
Best for: Secured cardholders seeking complimentary domestic airport lounge access alongside daily UPI rewards.
Rewards: Up to 10% novio Coins on merchant UPI spends via novio UPI
Lounge access: 1 Domestic visits/quarter
Last verified 25 Oct 2026
Best for: UPI Micro-Spends, Zero-Forex International Shoppers & Flexible EMI Splitting
Rewards: 1 money per ₹1 spent (1% base cash redemption; scales to 1.5%, 2%, up to 3% based on monies balance & savings AQB)
Forex markup: 0% (Zero Forex)
Last verified 21 Oct 2026
Best for: Budget-conscious shoppers and entry-level cardholders seeking consistent everyday savings and low annual fee maintenance.
Rewards: Up to 1.5% Cashback on Online Spends (>₹10k FD) & 1.0% on Offline/UPI Spends
Renewal fee waived on ₹50,000 annual spend
Last verified 3 Oct 2026
Best for: Indian Armed Forces personnel, paramilitary forces, defense veterans, and military families seeking a zero-fee credit card with high insurance protection and UPI payments.
Rewards: 2 Reward Points per ₹100 spent (0.50% value) + 3% Cashback on CSD Canteen Spends
Lounge access: 4 Domestic + 1 International visits/year
Last verified 12 Oct 2026