Unity Small Finance Bank Credit Card

Unity Small Finance Bank has partnered with Roarbank and BharatPe to offer two RuPay credit cards. These credit cards are lifetime free with zero annual fee and offer rewards and cashback on your spends, including UPI transactions. A good choice for those looking for entry-level card offerings, these credit cards can help you build a strong credit profile and score through responsible usage.

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Top Unity Small Finance Bank Credit Cards

Unity Small Finance Bank offers the following credit cards to its customers:

Credit Card	Annual Fee	Key Feature
Roarbank RuPay Credit Card	Nil	Up to 20% cashback on any two categories of choice
Unity Bank BharatPe Credit Card	Nil	Up to 8 domestic and 2 international lounge visits per year

Unity Small Finance Bank Credit Card Benefits

Unity Small Finance Bank Credit Cards come with the following features and benefits for the cardholders:

Lifetime Free Cards: Unity Small Finance Bank offers lifetime free credit cards with zero joining and annual fee.
UPI Access: Both the Unity SFB offerings are RuPay credit cards which allow the cardholders to make seamless UPI transactions.
Cashback & Rewards: You can earn value-back in the form of up to 20% cashback on chosen categories for select cards and get uncapped rewards on EMIs, thus helping you save on every spend.
100% Digital Operations: You can get Unity Small Finance Bank Credit Cards through 100% digital onboarding and manage or control your card online.

Unity Small Finance Bank Credit Card Fees & Charges

Given below are some of the fees and charges applicable on Unity Small Finance Bank Credit Cards:

Fee Type	Particulars
Joining/Annual Fee	Nil
Finance Charges	For Roarbank: 3.3% per month (39.6% p.a.) For BharatPe: 2% per month (24% p.a.)
Late Payment Fee	For Roarbank: 2% of unpaid dues, subject to a min. of Rs. 500 For BharatPe: On outstanding balance of - Less than Rs. Rs. 100: Rs. 40 Rs. 101 to Rs. 250: Rs. 90 Rs. 251 to Rs. 500: Rs. 150 Rs. 501 to Rs. 1,000: Rs. 250 Rs. 1,001 to Rs. 2,500: Rs. 500 Rs. 2,501 to Rs. 5,000: Rs. 750 Rs. 5,001 to Rs. 7,500: Rs. 900 Rs. 7,501 to Rs. 10,000: Rs. 1,000 Rs. 1,0,001 and above: Rs. 1,500

Click here for detailed terms and conditions of Roarbank RuPay Credit Card.
Click here for detailed terms and conditions of Unity Bank BharatPe Credit Card.

Unity Small Finance Bank Credit Card Eligibility Criteria

Before applying for a credit card, it is advisable to check whether you fulfil the eligibility criteria of the respective card.

Age:

- For Roarbank: 21 to 60 years
- For BharatPe: 21 to 65 years

Minimum Income (For BharatPe):

- For Salaried: Rs. 2.5 lakh per annum
- For Self-employed: Rs. 5 lakh per annum

Nationality: Indian Resident
Occupation: Salaried or Self-employed
Documents Required: Valid PAN and Aadhaar, among other proofs of identity, address and income.

Apply for Unity Small Finance Bank Credit Card Online

You can apply for Roarbank RuPay Credit Card by Unity Small Finance Bank online via Paisabazaar through the steps given below.

Step 1: Enter your mobile number in the form on the top of this page to begin the application process.
Step 2: Provide the OTP sent on the mobile number for verification.
Step 3: Check and compare the cards you are eligible for from the list of pre-qualified credit card offers.
Step 4: Select and apply for the best credit card as per your needs and eligibility.
Step 5: Provide the required documents for smooth processing of the application and submit the completed application.

You may apply for Unity SFB credit cards through the provider’s official website/app as well.

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit card purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

Apply Now

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit card purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

Apply Now

FAQs

What is the annual fee of Unity Small Finance Bank Credit Card?

All the credit cards offered by Unity Small Finance Bank are lifetime free and do not charge any annual fee.

Can I use Unity Small Finance Bank Credit Card on UPI apps like GPay and PhonePe?

Yes, you can add your Unity SFB RuPay credit card to any UPI app of choice and use it to make UPI transactions.

Does Unity Small Finance Bank offer physical card?

Yes, once your application is approved, you are expected to receive your Unity SFB physical credit card to your registered address soon.

Can I make offline transactions using my Unity Small Finance Bank Credit Card?

Yes, Unity SFB credit cards allow you to make both online and offline payments, including UPI transactions.

How to contact Unity Small Finance Bank Credit Card customer service?

You may call on 1800-209-1122 or send an email on care@unitybank.co.in to contact Unity Small Finance Bank customer care to resolve your queries and grievances.