RuPayentry-level

Roarbank Credit Card

Unity Small Finance Bank

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Annual Fee

FREE

Cashback

Up to 20%

Lounge Visits

None

Min Income

None

Cashback Details

Category	Cashback Rate	Details
Mobile top up	1%	1% cashback on mobile top-up transactions, always active regardless of monthly category selection
Utilities	1%	1% cashback on utility bill payments, always active regardless of monthly category selection
Movies	20%	Up to 20% cashback when chosen as one of the two monthly categories
Dining and cafes	5%	Up to 5% cashback when chosen as one of the two monthly categories
Grocery	1.5%	Up to 1.5% cashback when chosen as one of the two monthly categories
Fuel	1.5%	Up to 1.5% cashback when chosen as one of the two monthly categories

Monthly cashback cap: ₹2,500

Joining FeeFREE

Annual FeeFREE

Min Annual IncomeNo minimum

Age21 - 60 years

EmploymentSalaried & Self-employed

Lifetime free: zero joining fee, zero annual fee with no spend conditions
Choose any 2 cashback categories at the start of each month from dining, movies, grocery, fuel, and more
Up to 20% cashback on chosen categories, capped at Rs 2,500 per month total
1% cashback on mobile top-up and utility bill payments, always active
RuPay credit card with UPI payment support across third-party apps
2-in-1 card linked to a Roarbank savings account
Up to 62 days interest-free credit period
Credit limit up to Rs 3 lakh subject to eligibility
Available for applicants with no prior credit history
Applied for and managed entirely via the Roarbank mobile app (download app first; no website application)