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UNITY SMALL FINANCE BANK LTD Roarbank Credit Card

UNITY SMALL FINANCE BANK LTD

Annual / renewal fee

Nil (annual membership fees, levied after 2nd Year: Nil).

VerifiedMITC – Roarbank Credit Card (roar.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Earn rate

  • Cashback based on transaction amount and purchase category (MCC).
  • Cardholder selects two cashback categories each month (e.g. grocery, fuel, restaurants, conveyance, entertainment).
  • Each category has a designated cashback percentage that may vary monthly, capped at a maximum of 20% for any category.
  • A 1% cashback on utility payments and mobile top-ups applies at all times regardless of category selection.
  • Cashback percentages are the same whether paid using own funds or credit.

VerifiedMITC – Roarbank Credit Card (roar.bank.in)5 Aug 2026, 2:35 AM ISTUNITY SMALL FINANCE BANK LTD

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at unity.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-17
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at unity.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

Roarbank Credit Card by UNITY SMALL FINANCE BANK LTD. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

Nil (no joining fee) - Joining fees levied after card activation.

VerifiedMITC – Roarbank Credit Card (roar.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Annual / renewal fee

Nil (annual membership fees, levied after 2nd Year: Nil).

VerifiedMITC – Roarbank Credit Card (roar.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Fee waiver

Confirm on the official page

Official source not yet captured

Renewal fee

Nil (No renewal fee; card reissuance of expired cards and card replacement for damaged/lost/stolen cards also Nil).

VerifiedMITC – Roarbank Credit Card (roar.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Rewards

  • Cashback based on transaction amount and purchase category (MCC).
  • Cardholder selects two cashback categories each month (e.g. grocery, fuel, restaurants, conveyance, entertainment).
  • Each category has a designated cashback percentage that may vary monthly, capped at a maximum of 20% for any category.
  • A 1% cashback on utility payments and mobile top-ups applies at all times regardless of category selection.
  • Cashback percentages are the same whether paid using own funds or credit.

VerifiedMITC – Roarbank Credit Card (roar.bank.in)5 Aug 2026, 2:35 AM IST

Redemption value

  • Rewards redemption fee: Not Applicable.
  • Cashback is tracked in the Roarbank App.
  • To redeem, select 'Withdraw Cashback' in the Cashback menu and the amount is automatically transferred to the Roarbank Card.
  • If a transaction for which cashback was credited is refunded, the corresponding cashback is deducted from accumulated cashback balance (and if already withdrawn with no balance, reversed from the credit limit).

VerifiedMITC – Roarbank Credit Card (roar.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Reward cap

  • Maximum cashback earnable in a calendar month is ₹2,500 (additional cashback beyond this is not credited or carried forward).
  • Minimum cashback that can be withdrawn is ₹250.
  • Maximum cashback percentage for any category capped at 20%.

VerifiedMITC – Roarbank Credit Card (unity.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Reward exclusion

(and may be reversed for): (i) purchase of gift cardsprepaid cards or stored-value instruments regardless of MCC; (ii) wallet and card top-ups (loading/reloading any walletprepaid payment instrument or credit/debit card); (iii) transactions inconsistent with the purchase category (amount disproportionate to reasonable commercial volumee.g. fuel exceeding standard tank capacitygrocery/restaurant amounts not plausible for a single retail purchase). If cashback is reversed and accumulated balance is insufficientthe Bank may recover the amount by debiting the available credit limit. Applies equally to promotional cashback

VerifiedMITC – Roarbank Credit Card (roar.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Official source not yet captured

Insurance

  • No complimentary insurance coverage.
  • Roarbank Card does not have any complimentary insurance coverage benefits available for Cardholders.

VerifiedMITC – Roarbank Credit Card (roar.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Eligibility

Eligibility

  • Card is applied for and managed through the Roarbank App.
  • Application includes opening a linked Roarbank Savings Account.
  • The Roarbank Savings Account can be opened by eligible individuals who are Indian citizens of or above 18 years of age.
  • Total Credit Limit assigned at time of application based on credit assessment, subject to change at the Bank's sole discretion.

Verifiedharvested from product page18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Charges & interest

Forex markup

Foreign currency transaction fee: 3.50% of the transaction amount.

VerifiedMITC – Roarbank Credit Card (roar.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Charge

  • Card charges: Joining fee Nil.
  • Annual membership fee Nil.
  • Card renewal fee Nil.
  • Card reissuance fee (expired cards) Nil.
  • Card replacement fee (damaged/lost/stolen) Nil.
  • Duplicate statement fee Nil (digital only).
  • Funds transfer (NEFT/RTGS/UPI/IMPS from Savings Account) 0.00%.
  • Cash withdrawal from Savings Account at domestic ATMs 0.00%.
  • Cash withdrawal utilizing Total Credit Limit at domestic ATMs 3.50%.
  • Cash withdrawal from Savings Account at international ATMs 2.50%.
  • Cash withdrawal utilizing Total Credit Limit at international ATMs 3.50%.
  • Over limit fee: not currently available on this Card.
  • Rent transaction fee (MCC 6513) 1.00% of amount paid.
  • Foreign currency transaction fee 3.50%.
  • Fuel Transactions fee (w.e.f. June 26, 2026) 1% on monthly spend over ₹5,000 in specified MCCs.
  • Wallet Load fee (w.e.f. June 26, 2026) 1% on monthly spend over ₹5,000 in MCC 6540/6541.
  • Utility Transactions fee (w.e.f. June 26, 2026) 1% on monthly spend over ₹5,000 in specified MCCs.
  • Convenience fee ₹499 (on successful upsell/limit increase with consent).
  • Interest/finance charge 39.6% per annum (3.3% per month).
  • Penalty charge/LPC 2% of Amount Due subject to minimum ₹500 (minimum ₹750 w.e.f. August 01, 2026).
  • Chargeback fee ₹500.
  • GST 18% on fees/interest/penalty/charges.
  • EMI processing fee Nil.
  • EMI interest rate 1% fixed monthly flat on principal.
  • EMI foreclosure fee 2% of principal outstanding.
  • Partner EMI processing fee ₹300 (plus 18% GST).
  • Partner EMI interest 0.7397%-0.8928% monthly flat (APR 16%).
  • Partner EMI foreclosure fee 2% of principal outstanding.
  • Balance inquiry charges Nil (on Roarbank App).

VerifiedMITC – Roarbank Credit Card (roar.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Fuel surcharge waiver

  • Fuel Transactions fee (w.e.f. June 26, 2026): 1% on transactions exceeding a cumulative monthly spend of ₹5,000 within MCC group 1361, 5172, 5541, 5542, 5983, 9752, 5555, 3851.
  • (No fuel surcharge waiver benefit is offered; instead a 1% fee applies above the ₹5,000 monthly threshold.).

VerifiedMITC – Roarbank Credit Card (roar.bank.in)18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Roarbank Credit Card?

Officially traced: Nil (annual membership fees, levied after 2nd Year: Nil).

MITC – Roarbank Credit Card (roar.bank.in)

What is the joining fee on the Roarbank Credit Card?

Officially traced: Nil (no joining fee) - Joining fees levied after card activation.

MITC – Roarbank Credit Card (roar.bank.in)

How does the Roarbank Credit Card earn rewards?

Cashback based on transaction amount and purchase category (MCC).

MITC – Roarbank Credit Card (roar.bank.in)

What are the transfer ratios for Roarbank Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMITC – Roarbank Credit Card (roar.bank.in)harvested from product pageMITC – Roarbank Credit Card (unity.bank.in)

Official terms

https://unity.bank.in/personal-banking/cards/credit-card/usfb-roarbank-credit-card.

VerifiedRoarbank Credit Card product page18 Aug 2026, 12:16 AM ISTUNITY SMALL FINANCE BANK LTD

Verified 2026-08-17 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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