About Roarbank Credit Card
The Roarbank Credit Card (issued by Unity Small Finance Bank) is a RuPay credit card with a lifetime limit that combines a credit line, linked savings account, and UPI payments into a single digital product managed entirely through the Roarbank app. It caters to beginners and everyday spenders by offering high cashback on specific categories, no credit history requirement for starter limits, and no joining or annual fees.
How to Apply for the Roarbank Credit Card Online?
- Click APPLY NOW
- You will be taken to the Credit Cards Application page
- Before you start, keep these ready: PAN card, Aadhaar card, and a blank piece of paper for signature
- Also, sit in a quiet place with no background noise and without help from another person; otherwise, your application may get rejected
- To begin, you may be asked to enter your name, email, mobile number, and PAN card to fetch your CIBIL score
- Complete your online KYC, then submit the form
- You will get a reference number to track your application
- Once your card is approved, you will be notified by SMS or email.
Fees and Charges
- Joining Fee: ₹0
- Annual Fee: ₹0 (lifetime free, no spending conditions)
- Forex Markup Fee: 3.5% of the transaction amount
Welcome and Milestone Benefits
- Welcome Benefits: Get ₹200 as a sign-up or cashback bonus on your first transaction using the referral code.
- Milestone Benefits: NA
Cashback and Rewards
- Card Type: Cashback credit card (lifetime free)
- Card Network: RuPay (UPI-enabled)
- Best For: Beginners/first-time credit users, everyday spenders with predictable category spends (e.g., movies, dining, groceries), UPI users, and those wanting a 2-in-1 savings + credit setup
- Cashback/Rewards on Online Purchases: Up to 20% on two selected categories each month (rates vary by category, e.g., movies often higher); 1% on mobile top-ups and utilities (always active); 0% default on most other spends
- Cashback/Rewards on Offline Purchases: Same as online — category-based (select two categories monthly via app; options typically include dining/cafes, movies, grocery, fuel, clothing, etc.)
- Maximum Cashback per Statement Cycle: ₹2,500 per month (calendar month)
- Rewards Redemption Options: Real cashback (not points) credited to Roarbank balance; minimum withdrawal ₹250; automatically adjusts against bill or redeemable as cash
Lounge Access
- Domestic Lounge Access: None
- International Lounge Access: None
Category Spend Benefits
Cashback depends on the monthly selection of two categories (rates can change; examples from reviews):
- Online Shopping: Eligible if selected as a category (rate varies; often part of available options)
- Food and Grocery: Up to ~1.5–5% if selected (grocery ~1.5%, dining/cafes ~5% in some reports)
- Travel Booking: Possible if available as a selectable category (not a fixed high rate)
- Utility Bill Payments: 1% always active (plus higher if selected)
- UPI Payment (Scan & Pay): Eligible based on underlying merchant category; full RuPay UPI support
- Fuel: Up to ~1.5% if selected (note 1% surcharge possible above thresholds)
Excluded Categories
Gift cards and stored-value instruments; wallet and card top-ups/reloads; cash advances/ATM withdrawals; funds transfers; balance transfers/EMI conversions; fees & charges; finance charges; rent payments (in many cases); insurance premiums, tax/government payments, and similar; disproportionate or non-genuine retail transactions; and refunds/reversals (cashback clawed back). The bank may update exclusions.
Why Choose Roarbank Credit Card?
- Completely lifetime free with zero joining, annual, or hidden fees for the card itself.
- Up to 20% real cashback on two flexible monthly categories (among the highest rates on zero-fee RuPay cards).
- Full UPI integration — pay via any UPI app using credit limit, scan QR codes, etc.
- 2-in-1 design: Linked savings account (earn up to 7% p.a. on higher balances) that is used first before credit.
- Instant virtual card + physical stylish black card; credit limit up to ₹3 lakh; starter limits for new-to-credit users.
- Up to 62 days interest-free; EMI options (from ₹2,000, 2–12 months at 1% p.m.); fully digital app-based management with spend controls and “Shake to Pay.”
- Ideal entry-level card for building credit history without cost.
Who is eligible for the Roarbank Credit Card?
Indian residents aged 21–60 years (including students in this range). Valid PAN and Aadhaar required. Available for salaried and self-employed individuals. No minimum income strictly specified in many sources, and no prior credit history needed (starter credit limits available). Fully digital process via the Roarbank app (Aadhaar OTP + video KYC). Credit limit decided at approval (up to ₹3 lakh).
Is the Roarbank Credit Card worth applying for?
Yes, for the right user. It is one of the best lifetime-free options for first-time credit cardholders, UPI-heavy spenders, and those who spend heavily in high-cashback categories (such as movies or dining). Earn real cashback (capped at ₹2,500/month) with no ongoing costs, while building credit and earning savings interest.