Roarbank RuPay Credit Card
Lifetime free RuPay credit card with up to 20% cashback and seamless UPI payments.
Overview
The Roarbank RuPay Credit Card is a digital-first, co-branded product issued in partnership with Unity Small Finance Bank. It uniquely integrates a Savings Account, a Credit Line, and native UPI payments into a single application. Designed primarily for modern, mobile-savvy users, it stands out by offering a high cashback percentage on a rotating monthly category without requiring any past credit history.
Features & Benefits
Joining & Renewal Benefits
A virtual version of the card is generated instantly inside the app upon approval. This allows immediate online shopping or linkage to Google Pay and Apple Pay for tap-and-go digital transactions before the physical card arrives. A sleek, premium matte-black physical credit card is delivered right to your doorstep upon successful Video-KYC completion.
Lifetime free card with zero renewal fee.
Cashback & Rewards
- • Up to 20% cashback is granted on a selected category that dynamically changes month-to-month.
- • Rotating categories ensure fresh saving options regularly.
- • Direct real cashback instead of confusing reward point structures.
Streamlined Auto-Credit System. The earned cash is transparently handled within the Roarbank mobile app to lower your outstanding statement without manual redemption steps.
Lifestyle Benefits
- • All-In-One Ecosystem: Brings a fully functional Savings Account, a Credit Card limit, and UPI infrastructure control inside a single interface.
- • RuPay UPI native mapping: Link the card to third-party UPI apps like GPay, PhonePe, or Paytm and pay merchants using your credit limit by scanning QR codes.
- • Instant High Limit: Offers an instant credit assignment of up to ₹3 Lakhs based entirely on the digital profile application.
- • Enjoy up to 62 days of interest-free spending, including a 3-day grace period.
- • Zero structural maintenance fees, zero annual costs, and zero hidden application charges.
Fees & Charges
- • Absolutely Lifetime Free: No stress of tracking annual spend milestones for fee waivers.
- • Massive Cashback Rate: A 20% real cash savings rate on chosen categories outpaces standard entry-level products.
- • UPI Convenience: Enables smooth credit line spending across millions of small, daily QR-code merchants.
- • No Credit History Needed: Extremely accessible for young professionals looking to build their credit scores.
- • The 20% premium cashback rate is localized to changing monthly categories rather than a flat rate across all online spends.
- • Lacks premium travel advantages, such as free airport lounge entry or extensive hotel loyalty memberships.
- • Cash transfers/withdrawals.
- • Standard credit card exclusion categories such as wallet loads or rent do not qualify for premium cashback.
Available as per bank regulatory guidelines.
- • Must be an Indian Resident.
- • Must own a compatible smartphone (Android or iOS) to complete the fully digital application.
- • PAN Card and income profile details are required for the instant evaluation.