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Roarbank RuPay Credit Card
⚡ High approval🆓 Lifetime free
Roarbank × Unity SFB

Roarbank RuPay Credit Card

★ 4.1 / 5 ⓘ How we rate

Up to 20% cashback on 2 categories you pick each month

✅ Verified Oct 2026 from Unity SFB's official page →

🆓 Lifetime Free🎁 Up to 20% cashback
Apply Now — it's free → 🔒 You'll apply on Unity SFB's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🎯
Up to 20% backon 2 categories you choose
📲
2-in-1 with UPIsavings + credit in one app
⏳
62 daysinterest-free credit
👤
Perfect for

UPI users and first-timers who want real cash back, not points

Key benefits

  • Up to 20% cashback on 2 categories you choose each month (e.g. dining, movies, groceries)
  • Cashback credited as real money, auto-adjusted against your bill (up to ₹2,500/month)
  • 1% cashback on utility bills and mobile recharges
  • Link to Google Pay, PhonePe or Paytm and pay by UPI
  • Up to 62 days interest-free credit
  • Linked savings account earns up to 7% interest
Like these benefits?Lifetime free — nothing to lose.
Apply Now →

What's great

  • Lifetime free
  • Cash, not points
  • No credit history needed

Good to know

  • Most other spends earn 0% unless in your chosen categories
  • Category rates can change month to month
  • 3.5% forex markup

Quick facts

Fee waiverLifetime free — no joining or annual fee
Lounge accessNone
Min. incomeNo fixed minimum
Age21 – 60 years
Credit scoreNot required
NetworkRuPay
Forex markup3.5%
Joining feeFREE

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.3%/month (39.6% p.a.)
Foreign currency markup3.5%
Cash withdrawal feeAs per bank MITC
Late payment feeAs per bank MITC
  • EMI from ₹2,000 at 1%/month
  • No cashback on wallet loads, rent, insurance, tax, cash withdrawals
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

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❓ Roarbank RuPay — common questions

Is the Roarbank RuPay Credit Card lifetime free?

Yes. The Roarbank RuPay Credit Card has no joining fee and no annual fee.

What rewards does the Roarbank RuPay Credit Card give?

Up to 20% cashback. Up to 20% cashback on 2 categories you choose each month (e.g. dining, movies, groceries).

Who is eligible for the Roarbank RuPay Credit Card?

Minimum income: No fixed minimum. Age: 21 – 60 years. Credit score: Not required. Final approval is decided by the bank.

Does the Roarbank RuPay Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the Roarbank RuPay Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the Roarbank RuPay Credit Card?

UPI users and first-timers who want real cash back, not points.

Explore🆓 Lifetime Free Cards💸 Cashback Cards📲 UPI Credit Cards🌱 First Credit Card🪪 No Income Proof🎓 Free + No Income Proof🆓 Free RuPay for UPI

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

Roarbank × Unity SFB RuPay🆓 Lifetime free · Apply in ~5 min
Apply Now →