Unity Small Finance Bank Roarbank Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹0

Annual fee

₹0 a year.

What it gives back

Up to 20% Cashback. Choose your Top 2 categories every month such as dining, groceries, transport, and more

Read from 4 Unity Small Finance Bank documents, last checked 7 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

Rewards

Reward rate
Up to 20% Cashback. Choose your Top 2 categories every month such as dining, groceries, transport, and more

Also included

Charges

Forex markup
3.50% on foreign currency transactions.
Cash advance fee
3.5% from the card's cash limit; from a savings account ₹0 at domestic ATMs, 2.5% at international ATMs.
Interest on unpaid balance
3.3% per month
Interest-free period
Up to 62 days of interest-free credit on your purchases
Late payment fee
2% of unpaid dues subject to a minimum of ₹500
Foreign ATM fee
From savings account: ₹0 at domestic ATMs and 2.5% at international ATMs.

Eligibility

How we know - 4 documents from Unity Small Finance Bank, checked 7 Oct 2026

4 documents from Unity Small Finance Bank, checked 7 Oct 2026.

On these lists

₹0 for life

View on the bank