Unity Bank BharatPe Credit Card

Unity Small Finance Bank · Open to apply

A lifetime-free RuPay co-brand card from Unity SFB and BharatPe that automatically converts each month's unpaid spends of ₹1,000 or more into EMIs at 24% a year, and pays 2% back in Zillion Coins as the EMIs are repaid. Includes RuPay lounge visits (2 a quarter in India) and works on UPI.

Annual fee
Lifetime free
Joining fee
None
Base rate
2% in Zillion Coins on repaid unpaid spends: 8 Zillion Coins per ₹100 (about 2% at cash value)
Lounges
Domestic: 2 visits a calendar quarter; International: 2 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Where the sources disagree

  • auto-EMI table and rewards in the key fact statement: The key fact statement (Feb 2025) still shows the pre-2025-08-14 auto-EMI table (3 EMIs for ₹1,000 to ₹9,999) and omits rewards; the MITC (Aug 2026) and the product page show up to 12 EMIs from ₹1,000 and a flat 2%. We use the MITC and product page, which postdate the change.

Terms the calculator does not value

  • Every month's unpaid spends of ₹1,000 or more are converted to EMIs at 24% a year unless the holder prepays them before the bill date, and the 2% back is paid only as those EMIs are repaid. A holder who prepays gets no unpaid-spend reward; one who keeps the EMIs pays interest (24% a year on the declining balance) that can outweigh the 2%. The calculator values the 2% as if earned on all spend and charges no EMI interest.
  • Zillion partner redemption values other than 4 coins = ₹1 were not read; redemption against the card outstanding is capped at ₹5,000 equivalent a billing cycle.
  • The complimentary yearly health check-up package has no stated value.

Sources

Compare this card · Find the best card for your spending