The issuer board
Every Unity Small Finance Bank credit card.
2 cards on the desk, ranked #432 to #513 against every other card in India — not against each other. Every one of them costs ₹0 a year. 1 of the 2 we carry without ranking, because Unity Small Finance Bank publishes no fee or no earn table for it — they are listed at the bottom, with what we do know.
how this board is ordered fold that back up
Ordered by our board, best first. The rank is the card's position among all Indian cards we price, so a gap between two rows is other issuers' cards sitting between them.
RBI, July 2026: 3,76,454 cards in force — 0.3% of every credit card in India · ₹82 cr spent on them that month, 71% of it online.
The one worth having
Unity Bank BharatPe Credit Card
2% and eight lounge visits, bought with an automatic EMI at 24% APR.
Narrow 2 Unity Small Finance Bank cards
network, lounges, the fine print and what you can be approved for fold that back up
The first seven narrow the board — a card that isn't what you asked for is hidden, not greyed, because six hundred dimmed rows are a hazard rather than a filter. Income is different: it greys the cards you can't be approved for and prints the reason, since "you can't get this" is worth knowing. Spend categories come from each card's own MITC/T&C exclusions; a card that publishes no rule for a category stays, because silence isn't a claim. Abroad and late fee read the issuer's own MITC line: 3.5% is India's norm, so "under" means cheaper than standard, and a card whose document states neither is filed under "not published" rather than assumed cheap. Your picks live in the URL, so the link you copy is the board you're looking at.
The board
All 1 priced card, best to worst.
rank · card · fee (what you pay to get it) · headline earn rate, per ₹100 of ordinary spend · verdict
No Unity Small Finance Bank card matches all of that. Loosen one lever, or scan every issuer's board →
Carried, not ranked
1 card Unity Small Finance Bank won't put a number on.
Each of these is missing the fee, the earn table, or both, in every document Unity Small Finance Bank publishes. We keep the card — its page, its lounge row, its sources — and we refuse to rank it, because a net-value number computed against a fee nobody published would be wrong by exactly that fee. Each promotes itself onto the board above the day the document lands.
Our standing verdicts
1 keep · 1 downgrade · 0 cancel
What these cards pay in