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Unity Small Finance Bank
A lifetime-free RuPay card that earns on UPI, run entirely from an app.
One-time
Zero renewal fee
Uncapped rewards
Score 700+
Applying takes you to Unity Small Finance Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms confirmed against the issuer
1 reward rate with their own caps, 4 recorded limitations, and every figure below traced to a source.
See where each figure came fromEverything else
Shares the card's ₹2,500 a month ceiling
These rates share one ceiling: ₹2,500 a month across the card, not per category.
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1% on Everything else — 1% cashback on all eligible spends outside the two categories chosen for the month, with no stated cap.
Biggest limitation
A monthly cashback cap applies. Past it, spending earns nothing.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1%
uncappedEverything else
1% cashback on all eligible spends outside the two categories chosen for the month
Cashback is credited automatically to the statement; there is no manual redemption.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | Lifetime free — no joining fee and no annual fee. |
| Add-on card | Not published by Unity Small Finance Bank in the summary for this card. Check the card's schedule of charges. | — |
| Cash withdrawal | Not published by Unity Small Finance Bank in the summary for this card. Check the card's schedule of charges. | — |
| Late payment | 2%, min ₹500 | Not published by Unity Small Finance Bank in the summary for this card. Check the card's schedule of charges. |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
No complimentary domestic airport lounge access on this card.
A fuel surcharge waiver applies. Unity Small Finance Bank publishes no transaction range or per-cycle cap for this card.
1% on UPI spends. Full RuPay UPI integration — linkable to Google Pay, PhonePe, Paytm and BHIM through Unity Small Finance Bank.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 1% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. Full RuPay UPI integration — linkable to Google Pay, PhonePe, Paytm and BHIM through Unity Small Finance Bank.
Fuel transactions Rent payments Wallet loads EMI transactions Cash advances and ATM withdrawals No rewards on fuel transactions, rent payments, wallet loads, emi transactions, cash advances and atm withdrawals. No cashback on rent transactions; rent transactions attract 1% processing fee per Key Fact Sheet; savings account balance is debited first before credit line — not a pure credit-first model; cashback requires category selection at month start — no retroactive selection; categories cannot be changed mid-month; no cashback earned if categories not selected by month start
Cashback is credited automatically to the statement; there is no manual redemption.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Lifetime free — no joining fee and no annual fee.
Yes. RoarBank is a 2-in-1 RuPay product from Unity Small Finance Bank, issued through the Roarbank app, that combines a credit card with a savings account. The savings account earns up to 7% a year and the credit limit goes up to Rs. 3 lakh.
No. The card carries no complimentary domestic or international lounge visits. It is built for everyday cashback and UPI spending, not travel benefits.
No fuel surcharge waiver is published for this card, so the usual 1% pump surcharge applies. Fuel is, however, one of the categories you can select for cashback.
Yes. There is no joining fee and no annual fee, with no spend condition attached. Cancelling within 12 months of issue can attract a charge, so check the MITC before closing early.
Read this first
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
RoarBank RuPay Credit Card — 1% on everything else. No annual fee.