Roarbank RuPay Credit Card

Roarbank RuPay Credit Card is a lifetime free credit card offered by Roarbank in collaboration with UNITY Small Finance Bank. It is designed for beginners and offers cashback along with a 2-in-1 spending feature.

Cardholders can earn up to 20% cashback every month on any two selected categories such as grocery, fuel, dining, or movies. Categories must be chosen at the start of the month and cannot be changed mid-cycle. The maximum cashback is capped at Rs. 2,500 per month.

This 2-in-1 card allows spending through a combination of the savings account balance and the credit limit. Transactions are first deducted from the linked savings account. Once the balance is exhausted, the remaining amount is charged to the credit line.

The card offers a credit limit of up to Rs. 3 Lakh, depending on the applicant’s eligibility and banking relationship. The combined spending power includes both the savings account balance and the assigned credit limit.

Applicants must be Indian residents and should have an active savings account with Roarbank. Since it is an entry-level credit card, it is suitable for new-to-credit consumers. However, the final approval is subject to internal assessment by the bank.