Roarbank RuPay Credit Card by Unity SFB

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  eligibility and banking relationship of the applicant. 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.

You can withdraw cash using Roarbank credit card through any ATM of choice. Insert your card into the ATM and select the Credit Account option on the ATM screen. Next, enter your PIN, along with the amount you wish to withdraw to receive your cash. However, keep in mind that a cash withdrawal fee and an interest is charged on all the cash advances/withdrawals done from your cash withdrawal limit from the date of the withdrawal itself. So, credit card cash withdrawal should only be made in case of emergencies and repaid at the earliest to prevent accrual of high fees and charges.

Yes, you can use Roarbank credit card by Unity Small Finance Bank  for international transactions. But a forex mark-up fee of 3.5% of the transaction amount would also be charged on every such spend.

The cashback accrued on your Roarbank RuPay credit card spends is tracked within the Roarbank app. You can redeem this cashback by selecting the Withdraw Cashback option under the Cashback menu. The selected cashback amount will automatically transfer to the Roarbank Card account. 

You can accrue a cashback worth up to Rs. 2,500 every month using your Roarbank credit card.

Roarbank RuPay credit card by Unity SFB offers the option to convert transactions worth Rs. 2,000 and above into EMIs.

Yes, you can build and boost your CIBIL score using Roarbank credit card if you use your card responsibly and pay your bills on time in full.

You can get a credit limit of up to Rs. 3 lakh on your Roarbank RuPay Credit Card by Unity SFB. The credit limit on your Roarbank credit card would be shown to you during your card application process. To check your credit limit later, you can log in to your credit card account on the Roarbank app and check the card details.