UNITY SMALL FINANCE BANK LTD Unity Bank BharatPe Credit Card
UNITY SMALL FINANCE BANK LTD
Annual / renewal fee
- Nil (Lifetime Free) for Primary Card Holder.
- Not Applicable for Add-on Card Holder.
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Earn rate
- Zillion Coins earned as percentage of Bill Period Unpaid Spends (BPUS), credited proportionately upon EMI repayment (4 Zillion Coins = ₹1).
- W.e.f. 14 Aug 2025: 2% on all BPUS of ₹1,000 and above.
- 0% for ₹1-999.
- (Prior to 14 Aug 2025: 1% for ₹1,000-9,999 and 2% for ₹10,000 and above).
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
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.
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
Unity Bank BharatPe 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 (Lifetime Free) for Primary Card Holder.
- Not Applicable for Add-on Card Holder.
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Annual / renewal fee
- Nil (Lifetime Free) for Primary Card Holder.
- Not Applicable for Add-on Card Holder.
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Fee waiver
Lifetime free card: Nil joining fee, Nil annual membership fee, Nil EMI processing fee, Nil EMI foreclosure fee.
VerifiedUnity Bank BharatPe Credit Card product page18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Rewards
- Zillion Coins earned as percentage of Bill Period Unpaid Spends (BPUS), credited proportionately upon EMI repayment (4 Zillion Coins = ₹1).
- W.e.f. 14 Aug 2025: 2% on all BPUS of ₹1,000 and above.
- 0% for ₹1-999.
- (Prior to 14 Aug 2025: 1% for ₹1,000-9,999 and 2% for ₹10,000 and above).
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM IST
Reward cap
- Uncapped 2% rewards.
- Maximum redemption against Card outstanding is ₹5,000 equivalent Zillion Coins per billing cycle.
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Reward exclusion
- If the Cardholder forecloses/pre-closes the EMI Loan before its tenure, Rewards (Zillion Coins) corresponding to the foreclosed amount are forfeited and no points earned for such amount.
- Rewards apply only upon EMI repayments.
- Rewards not earned on BPUS of ₹1-999.
- Gold/jewellery purchases are restricted and not eligible for EMI conversion.
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Travel & lounge
Lounge access
- Complimentary RuPay lounge access: Within India - 2 visits per calendar quarter.
- Outside India - 2 visits per calendar year.
- Access to RuPay Exclusive Lounge at Delhi IGI, T3 Domestic Departure is NOT available under this complimentary benefit.
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
Unity Bank BharatPe Credit Card does not have any complimentary insurance coverage benefits available for Cardholders.
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Eligibility
Eligibility
- Available to both salaried and self-employed customers.
- Add-on Cardholder must be an Indian resident above 18 years and related to the Primary Cardholder as parent, spouse, child or sibling.
VerifiedCardholder Agreement / Terms & Conditions – Unity Bank BharatPe Credit Card18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Charges & interest
Forex markup
3.5% of the transaction amount (Foreign Currency Markup Fee).
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Charge
- Charges (MITC April 2026): Cash Advance Fee (ATM withdrawals) Not Applicable.
- Online Cash Withdrawal Fee ₹15 per withdrawal transaction.
- EMI Processing Fee Nil.
- Auto-EMI Processing Fee Nil.
- Auto-EMI Interest Rate 24% APR (2% monthly, reducing balance).
- EMI Foreclosure Fee Nil.
- Late Payment Charge per slab: below ₹100 = ₹40, ₹101-250 = ₹90, ₹251-500 = ₹150, ₹501-1000 = ₹250, ₹1001-2500 = ₹500, ₹2501-5000 = ₹750, ₹5001-7500 = ₹900, ₹7501-10000 = ₹1000, ₹10001 & above = ₹1500.
- Overdue Interest 24% APR (2% monthly).
- Overlimit Fee Not Applicable (over-limit facility not available).
- Rent Payment Transactions Nil.
- Foreign Currency Markup Fee 3.5%.
- Fuel Surcharge 1%.
- Railway Ticket Purchase Surcharge as per IRCTC.
- Card Replacement Fee Nil.
- Duplicate Statement Fee Nil.
- Rewards Redemption Handling Fee Nil.
- GST 18% on all fees, interest, surcharge and charges.
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Fuel surcharge waiver
Fuel Surcharge: 1% of the transaction amount, levied by fuel merchants (petrol pumps) and acquiring banks.
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Interest-free period
Interest free (grace) period ranges from 15 to 48 days, depending on the date of the transaction and the payment due date (does not apply to EMI transactions).
VerifiedMost Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)18 Aug 2026, 5:57 PM 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 Unity Bank BharatPe Credit Card?
Officially traced: Nil (Lifetime Free) for Primary Card Holder.
Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)What is the joining fee on the Unity Bank BharatPe Credit Card?
Officially traced: Nil (Lifetime Free) for Primary Card Holder.
Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)Is the Unity Bank BharatPe Credit Card annual fee ever waived?
Lifetime free card: Nil joining fee, Nil annual membership fee, Nil EMI processing fee, Nil EMI foreclosure fee.
Unity Bank BharatPe Credit Card product pageHow does the Unity Bank BharatPe Credit Card earn rewards?
Zillion Coins earned as percentage of Bill Period Unpaid Spends (BPUS), credited proportionately upon EMI repayment (4 Zillion Coins = Rs. 1).
Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)What lounge access does the Unity Bank BharatPe Credit Card include?
Complimentary RuPay lounge access: Within India - 2 visits per calendar quarter; Outside India - 2 visits per calendar year.
Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026)What are the transfer ratios for Unity Bank BharatPe Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Unity Bank BharatPe Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://unity.bank.in/personal-banking/cards/credit-card/usfb-bharatpe-credit-card.
VerifiedUnity Bank BharatPe Credit Card product page18 Aug 2026, 5:57 PM ISTUNITY SMALL FINANCE BANK LTD
Verified 2026-08-18 · 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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