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Small finance bank

Unity Small Finance Bank credit cards: 2 you can apply for

The best one for most people is Unity Bank BharatPe Credit Card.

₹18,000a year after fees, at ₹75,000 a month

Unity Bank BharatPe Credit Card

₹18,000 a year, after fees

₹0 fee · Lounges in India and abroad · Reward rate 2%

Downgrade

It is the one Unity Small Finance Bank card open to apply that we can value.

Rank all 2 at your own spend in the card finder

Verified 2 sources

Points and where they go

Unity Small Finance Bank's cards pay cash back, not points: 1 card credit rupees to your statement.

Recent changes

All 2 Unity Small Finance Bank cards

Neither of them charges an annual fee, and both are genuinely free for life. We cannot value 1 of them: Unity Small Finance Bank publishes no earn table for that card, so it is listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 1 keep, 1 downgrade, 0 cancel.

Open to apply 2

  1. Unity Bank BharatPe Credit Card

    ₹18,000 a year, after fees

    ₹0 fee · Lounges in India and abroad · Reward rate 2%

    Downgrade

  2. Unity Bank Roarbank

    Not valued fee or rewards not published

    ₹0 fee

    Keep

Filter Unity Small Finance Bank cards by fee, lounges or forex

Unity Small Finance Bank in RBI's figures

Cards in force
4,23,628
0.3% of India's cards
Spent in August 2026
₹83 crore
69% of it online
Spend per card
₹1,955
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The Unity Small Finance Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official Roarbank MITC — the all-Nil fee table, 3.50% forex, 39.6% APR, and the cashback scheme with its ₹2,500 monthly cap and no published category percentages read
  2. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read