Roarbank Credit Card Review (2026): RuPay UPI, 20% Cashback, Fees & Is It Worth It?
Quick answer The Roarbank credit card (often searched as roarbank rupay credit card) is a lifetime-free RuPay card issued by UNITY Small Finance Bank through the Roarbank app — marketed as one card combining credit, savings, and UPI. You pick two cashback categories each month for up to 20% cashback (capped at ₹2,500/month per Roarbank), plus lower earn on other eligible spends. Credit limit up to ₹3 lakh, 62-day interest-free window, and savings interest up to 7% p.a. on the highest balance slab. Strong for new-to-credit and UPI-first users — weak if you want lounges or set-and-forget flat cashback.
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This roarbank credit card review covers the roarbank card — a 3-in-1 RuPay credit line, UNITY savings account, and UPI wallet in the Roarbank app: roarbank credit card benefits, cashback rules, fees, eligibility, UPI usage, customer care, and comparisons with Kiwi and Jupiter RuPay cards.
Verify before you apply: Roarbank credit card (official) · Roarbank cashback programme · Roarbank tariffs & fees · UNITY Small Finance Bank — Roarbank card
Key benefits
Summary of marketed benefits for Roarbank RuPay Credit Card (June 2026 — confirm in app before applying):
- Annual fee: ₹0
- Joining fee: ₹0
- Cashback: Up to 20% on two select categories each month
- Credit limit: up to ₹3,00,000 (subject to approval)
- Lifetime free — no joining, annual, or renewal fees
- RuPay credit card with UPI (PhonePe, GPay, Paytm)
- Up to 62 days interest-free credit period (incl. 3-day grace)
- Linked savings: up to 7% p.a. on balance above ₹10 lakh
- No credit history required for starter limits
We verify fees and exclusions against official issuer documents; partner marketing may differ from MITC.
Apply on Roarbank (official) →
At a glance
| Detail | Summary (verify on Roarbank / UNITY site) |
|---|---|
| Card type | RuPay credit + UNITY savings + UPI (3-in-1 via Roarbank app) |
| Issuer | UNITY Small Finance Bank (RBI-licensed) |
| Joining / annual fee | ₹0 — lifetime free per Roarbank tariffs |
| Cashback | Up to 20% on two categories/month (Rewards tab); ₹2,500/month total cap; redeem from ₹250 balance toward bill |
| Credit limit | Up to ₹3 lakh (marketing cap; actual limit at approval) |
| UPI | RuPay credit on UPI via third-party apps; virtual card usable before physical delivery |
| Interest-free period | Up to 62 days incl. 3-day grace (pay prior month dues in full to stay interest-free) |
| Revolving interest | 39.6% p.a. (3.3% p.m.) after interest-free period per tariffs |
| Forex markup | 3.5% on international transactions per tariffs |
| Typical fit | New-to-credit users, monthly category planners, Roarbank-app-first spenders |
Roarbank credit card benefits
Up to 20% cashback on two categories
Per Roarbank’s credit card page and cashback programme, rewards are real money credited to your Roarbank balance — not points. Each month, open the Rewards tab and pick two categories from the live list (examples cited in partner materials: groceries, dining, fuel, movies, clothing, restaurants, online shopping, utilities). Categories refresh monthly; you typically cannot change them mid-month once selected.
Roarbank states:
- Up to 20% cashback on spends in your two chosen categories (exact % varies by category).
- ₹2,500 maximum total cashback per calendar month across all categories.
- Instant credit after eligible purchases, with push notification in the Cashback section.
- Minimum ₹250 accumulated cashback before you can withdraw it to repay your credit card bill.
- International spends in chosen categories can earn cashback per Roarbank (“works around the world”).
- Occasional brand coupons and surprise rewards on top of category cashback.
Other eligible spends outside your two picks typically earn a lower base rate (often cited as ~1% in third-party summaries — confirm on your offer screen). Cashback is earned on card spends, not on paying the bill itself; credited cashback reduces your next statement.
3-in-1 savings, credit, and UPI
Roarbank markets the product as the only card you need: a UNITY Small Finance Bank savings account, RuPay credit line, and UPI payments in one app. UNITY describes real-time settlement — spends can draw from your savings balance first, then credit when savings are insufficient — so effective spending power can be credit limit + savings balance. The app also offers spend analytics and downloadable PDF statements.
Savings interest per Roarbank tariffs: 4.50% p.a. up to ₹1 lakh · 6.00% on ₹1 lakh–₹10 lakh · 7.00% above ₹10 lakh. As a scheduled small finance bank, eligible deposits are covered under DICGC up to ₹5 lakh per depositor per bank (standard RBI deposit insurance — confirm on UNITY disclosures).
RuPay UPI on credit
Roarbank rupay credit card supports linking to PhonePe, Google Pay, Paytm for merchant UPI payments where RuPay credit is accepted — per Roarbank FAQ. Direct bank-account transfers from the credit line are not supported; use merchant UPI or card rails instead.
A virtual card is issued immediately after approval; a physical matte black RuPay card is delivered free (track shipment in-app). Link the RuPay card to PhonePe, Google Pay, or Paytm for merchant UPI where credit-on-UPI is accepted. Roarbank is app-only — no web banking — and for security the card can be active on one mobile device at a time.
International card use is marketed on Roarbank’s site; forex transactions attract 3.5% processing fee per tariffs. Personal savings withdrawals at domestic ATMs are free; credit-fund ATM withdrawals cost 3.5%.
Starter limits without credit history
Roarbank advertises approval without prior credit history, with starter limits that can grow as you repay on time and fund the linked savings account (UNITY: “build your credit score” with timely payments). Typical eligibility per UNITY: Indian residents aged 21–60, minimum income about ₹25,000/month (salaried or self-employed), valid PAN and Aadhaar, and video KYC with physical PAN in frame. No branch visit or paper document upload — digital onboarding only.
Fees and charges
| Charge | Roarbank RuPay (verify tariffs + statement) |
|---|---|
| Joining / annual / renewal | ₹0 (lifetime free) |
| Card issuance / delivery | Free per tariffs |
| Interest after free period | 39.6% p.a. (3.3% p.m.) |
| Late payment | 2% of unpaid dues, min ₹500 |
| Minimum amount due | 5% of total due, min ₹500 |
| EMI conversion | From ₹2,000 txn; 1% p.m. on EMI amount; 2–12 months |
| Cash advance (credit funds) | 3.5% of amount (domestic & international ATM) |
| Forex | 3.5% on international transactions |
| Personal funds transfer | Free to other Indian bank accounts per tariffs |
| Credit funds transfer | 0.2% fee to transfer to another bank card |
| Domestic ATM (savings) | Free |
| International ATM (savings) | 2.5% of txn amount |
How to apply for Roarbank credit card
- Download the Roarbank app (Google Play / App Store).
- Sign up with mobile OTP; enter PAN and income details.
- Complete video KYC and order the physical card if desired.
- Activate the virtual card; link RuPay credit to your preferred UPI app.
- On the 1st of each month, select your two cashback categories in-app.
Download Roarbank app & apply (official) →
Roarbank vs Kiwi vs Jupiter RuPay
| Roarbank | Kiwi RuPay | Jupiter Edge+ | |
|---|---|---|---|
| Issuer | UNITY Small Finance Bank | Yes / AU / PNB via Kiwi | CSB Bank |
| Best earn | Up to 20% on 2 chosen categories/month | ~1.5% UPI scan & pay (Kiwi app) | 10% capped on brand shopping via Jupiter UPI |
| Annual fee | Lifetime free (₹0) | Lifetime free on partner pages | Lifetime free renewal; joining often waived |
| Savings tie-in | Yes — 2-in-1 card | No (app-only credit) | No |
| New-to-credit | Starter limits marketed | App KYC | Standard bank assessment |
Pros and cons
Pros: Lifetime free; high headline cashback on chosen categories; RuPay UPI on credit; no credit score required for starter path; virtual card instant; long interest-free window if paid in full; savings interest on linked account; EMI option.
Cons: Must plan monthly categories; cashback caps and exclusions apply; app-dependent; UNITY SFB network acceptance smaller than major private banks; 39.6% p.a. if you revolve; 3.5% forex; 7% savings only on balance above ₹10L; limited lounge/travel perks; new product — verify live T&Cs frequently.
Is the Roarbank credit card worth it?
Roarbank credit card review verdict: strong for first card seekers who will use Roarbank actively and pick categories that match real spend (e.g. groceries + dining). Example: ₹15,000/month in a 20% category → ₹3,000 theoretical cashback, but the ₹2,500/month cap limits you to ₹2,500 — plan spends accordingly. Weak fit if you want predictable flat cashback (see SBI Cashback), premium travel perks, or you will not pay statements in full.
Who should skip this card
- You carry balances — interest at 39.6% p.a. erases cashback quickly.
- Your spend is spread across many categories and you will not manage monthly picks.
- You need Visa/Mastercard global acceptance or complimentary lounges.
- You prefer not to open another neobank-style savings + credit bundle.
FAQ
What is the roarbank rupay credit card? A lifetime-free RuPay credit card issued by UNITY Small Finance Bank, managed through the Roarbank app, with UPI support and category-based cashback.
Is the roarbank card lifetime free? Yes — Roarbank tariffs list ₹0 joining, issuance, renewal, and annual fees for the RuPay credit card product.
What is the roarbank customer care number? Roarbank lists toll-free support at 1800 209 9999 and email roar@unitybank.co.in (also in-app chat). See Roarbank contacts.
roarbank credit card review — who is it for? New-to-credit users, UPI-heavy payers, and anyone who can align monthly spend with two high-cashback categories.
Can I use Roarbank credit card on UPI? Yes — link the RuPay credit card in PhonePe, GPay, or Paytm for eligible merchant payments per Roarbank FAQ.
What is the monthly cashback cap on Roarbank? ₹2,500 total per calendar month across all categories, per Roarbank cashback FAQ. Minimum ₹250 balance before redeeming toward your bill.
Which categories can I pick for 20% cashback? Choose two from the live list in the app’s Rewards tab each month (examples: grocery, fuel, dining, movies). Notification typically on the 1st of the month — cannot change mid-month.
What is the interest-free period? Up to 62 days including a 3-day grace period, provided you paid the previous month’s total dues in full on time.
Sources checked
- Roarbank — RuPay credit card product page
- Roarbank — cashback programme & caps
- Roarbank — tariffs, fees & interest terms
- Roarbank — account & card management FAQs
- Roarbank — general FAQs (support channels)
- UNITY Small Finance Bank — Roarbank credit card
Important: The Roarbank credit card is issued by UNITY Small Finance Bank. Cashback categories, caps, and exclusions can change — confirm in the Roarbank app before relying on earn rates. This content is informational only and is not financial advice. Pay statements in full to avoid interest. Disclaimer · Report an error