Unity Small Finance Bank credit cards

2 verified offerings. Additional coverage outside the frozen 401-name audit; directory-only.

These are not calculator models. No score, point value or partner alias is imported.

Verified offerings

1. Unity Bank BharatPe Credit Card
2. Roarbank Credit Card by Unity Small Finance Bank

Two issuer-listed offerings, directory-only

The live issuer catalogue names Unity Bank BharatPe Credit Card and Roarbank Credit Card. No extra product is inferred from UPI, app names, savings accounts, networks or funding modes.

BharatPe: rewards on repayment are not free financing

The retrieved KFS declares 4 Zillion coins = ₹1. Its 2% reward rule is based on Bill Period Unpaid Spends (BPUS), proportionate to repayment of the corresponding EMIs, with credit on the next billing date. This is not flat 2% cashback on all purchases or a model of financing-free spending.

Under the published conversion table, ₹1–₹999 BPUS is billed in full; ₹1,000–₹9,999 converts to three EMIs and ₹10,000 or more to up to twelve EMIs as opted under its timing rules. The stated auto-EMI interest rate for those EMI rows is 24% APR on reducing balance, or 2% per month, with applicable GST. Pre-closing an EMI forfeits rewards corresponding to the foreclosed amount. Prepayment, refunds, billing timing and outstanding balances change the calculation.

Redemption may be through Zillion partners under loyalty terms or against Unity Bank BharatPe card outstanding through BharatPe. The card-outstanding route permits a maximum ₹5,000 equivalent Zillion coins per billing cycle. A declared coin denomination is not a universal cash return. Launch press-release claims do not override these current published rules.

Roarbank: selected monthly categories and account funding

The Roarbank MITC describes a credit card linked to a savings account. Transactions can draw from the savings balance and available credit under its funding rules. Savings interest and credit funding are not automatically card-spend ROI.

The customer chooses two cashback categories in the app each month. Category percentages may change monthly and selections reset on the first day of each month. The maximum percentage is 20%, not a universal 20% return. No selected categories means no selected-category cashback until selection. The MITC separately states 1% on utility payments and mobile top-ups regardless of selection; this clause does not bind every generic payment route or merchant.

The MITC names a ₹250 minimum cashback withdrawal and a ₹2,500 calendar-month earning cap. The customer uses “Withdraw Cashback” in the app, which transfers the amount to the Roarbank Card. Refunds reverse corresponding cashback. Category selection, MCC, app/account status, funding and settlement rules remain outside a universal score here.

Unpriced, not absent

Rewards, cashback, lounge access, account features and other benefits remain unpriced. Check current named-account fees, repayment costs and exact routes. No 2% cash, 20% cash, fixed category, UPI, point or partner-alias model is imported. A listed offering is not a guarantee of an open application or approval.

Scope and freshness

Checked 2 October 2026. This is a verified subset, not a guarantee of approval, availability or unchanged terms. Full current variant and account rules are needed before scoring.

Issuer sources

Issuer catalogue · Issuer catalogue alternate domain · Unity BharatPe KFS · Unity BharatPe Cardholder Agreement · Roarbank MITC