Unity Bank BharatPe 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

Zero

Annual fee

₹0

Zero

What it gives back

2% cashback worth of Zillion Coins on Bill repayments.

Read from 5 Unity Small Finance Bank documents, last checked 13 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
2% cashback worth of Zillion Coins on Bill repayments.
Reward exclusions
Rewards are earned upon repayment of the bill principal amount (excluding Fees, Interest, Charges and Tax)
Reward caps
Uncapped rewards
Catalogue redemption
4 Zillion Coins = ₹1.
Statement-credit redemption
Against Unity Bank BharatPe Credit Card outstanding via BharatPe App. The maximum redemption permitted against the Card outstanding in a billing cycle is ₹5,000 equivalent Zillion Coins.
Voucher and product redemption
Redeem your Zillion Coins for vouchers at top merchants.

Card benefits

International lounge access
You can enjoy 2 complimentary lounge visits every calendar year at 500+ International Lounges worldwide.
Domestic lounge access
You can enjoy 2 Complimentary Lounge visits every calendar quarter at major domestic in India.
Benefit given each anniversary year
One complimentary health checkup package every year for the primary cardholder.

Also included

Insurance benefit
Unity Bank BharatPe Credit Card does not have any complimentary insurance coverage benefits available for Cardholders.
Purchase to EMI conversion
Automatically converts the Bill Period Unpaid Spends into Equated Monthly Instalments (EMI) on the Bill Generation Date.

Charges

Forex markup
3.5% on foreign currency transactions.3.5% of the transaction amount (Foreign Currency Markup Fee)
Cash advance fee
₹15 per Withdrawal Transaction
Interest on unpaid balance
24% APR (Annualised Percentage Rate), 2% Monthly Rate.
Interest-free period
15 to 48 days interest-free when you pay in full.
Late payment fee
Less than ₹100: ₹40; ₹101 - ₹250: ₹90; ₹251 - ₹500: ₹150; ₹501 - ₹1000: ₹250; ₹1001 - ₹2500: ₹500; ₹2501 - ₹5000: ₹750; ₹5001 - ₹7500: ₹900; ₹7501 - ₹10,000: ₹1,000; ₹10,001 & above: ₹1,500.
Statement or duplicate statement feeCard replacement feeReward redemption feeRent transaction fee
Nil
Fuel transaction fee
Fuel surcharge: 1% of the transaction amount.
GST note
GST is applicable on all Fees, Interest, Surcharge, and other charges: 18% of the Fee, Interest, Charge, Surcharge amount

Eligibility

Income requirement
For Salaried: Minimum ₹2.5 Lakhs per annum; For Self Employed: Minimum ₹5 Lakhs per annum
Minimum age
Min 21 years & Max 65 Years.

In the terms, not the brochure (1)

Whether carrying a balance ends the interest-free period
If the Total Amount Due is not paid or a partial payment is made on or before the Payment Due Date of the previous bill, the interest-free credit is suspended for the current Bill cycle.

How we know - 5 documents from Unity Small Finance Bank, checked 13 Oct 2026

5 documents from Unity Small Finance Bank, checked 13 Oct 2026.

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