Roarbank Credit Card
Unity Small Finance Bank · Open to apply
A lifetime-free RuPay credit card bundled with a Roarbank savings account: a purchase draws on the savings balance first and the credit line only for the rest, and dues are repaid from the savings account in real time. Cashback of up to 20% is paid on two categories the holder picks each month, at rates that change monthly, up to ₹2,500 a month.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- Nothing on spend outside the two chosen categories: 0% cashback (about 0% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- Nothing on spend outside the two chosen categories
- No cashback on wallet and card top-ups, gift cards and stored-value instruments
Where the sources disagree
- always-on 1% cashback on utilities and mobile top-ups: The MITC dated 12 May 2025 (theunitybank.com) gave a 1% cashback on utility payments and mobile top-ups whether or not categories were chosen. The September 2026 MITC and the Roar cashback page do not mention it, and say no cashback accrues without chosen categories. We enter the current MITC.
- late payment fee: The Unity product page lists "2% of unpaid dues, minimum ₹500" (the pre-August 2026 rate); the September 2026 MITC and tariffs page give ₹100 flat below a ₹5,000 limit, else 2% between ₹750 and ₹1,200 from 2026-10-01. We use the MITC.
- fuel, wallet and utility surcharges: The product page's fee table does not list the 1% fuel, wallet and utility fees above ₹5,000 a month that the September 2026 MITC dates from 2026-06-26. We enter the MITC.
Terms the calculator does not value
- Cashback on two categories chosen each month at rates up to 20% (the bank sets the percentage per category monthly and it is "visible on the app"), up to ₹2,500 of cashback a calendar month. The categories offered and their rates are not published, so no earn rule is entered and the card is valued at 0% on spend.
- The bank may decline or reverse cashback on transactions it deems out of line with genuine retail purchases (for example fuel above a tank's capacity) and on gift cards, wallet and card top-ups.
- Spending savings first and settling dues from the savings account in real time means a holder with a funded account can avoid interest; the saved interest on the savings account is not valued.
Sources
- Roarbank Credit Card tariffs and terms (Roar site) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Roarbank Credit Card (Unity Bank product page) (Product page, the bank's own, read 6 Nov 2026)
- Roar cashback page (Product page, the bank's own, read 6 Nov 2026)
- MITC - Roarbank credit card (September 2026 edition) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- MITC - Roarbank credit card (12 May 2025 edition, theunitybank.com) (Most important terms (MITC), the bank's own, read 6 Nov 2026)