Unity Bank Roarbank
KeepLifetime free, but a 2-in-1: spend runs against the credit limit first, and any savings balance is auto-debited to settle it in real time.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Not published — the MITC states no sign-up, activation or first-spend benefit
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Unity Small Finance Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · the network variants
The take
Roarbank is Unity Small Finance Bank's second credit card and its own app-first brand, and the product is stranger than the marketing. It is a 2-in-1 card: applying for it opens a Roarbank Savings Account alongside the credit line, and every transaction draws on the sum of the two. Spend runs against the credit limit first, and any balance sitting in the savings account is auto-debited to settle it in real time, which means a funded account behaves like a debit card that happens to reinstate a credit limit. Money landing in the savings account after a bill is generated is swept straight onto the card. Unity's own worked example makes the point: a ₹1.5 lakh limit plus ₹9,000 of savings is ₹1.59 lakh of spending power, and the ₹9,000 goes first. The fee story is the cleanest thing on the card. The MITC prints Nil against joining, annual, renewal, reissuance and replacement, ₹0 on NEFT/RTGS/UPI/IMPS transfers out of the savings account and ₹0 on domestic ATM withdrawals of your own money. There is no over-limit facility to charge you for. Eligibility is deliberately wide — 21 to 60, PAN and Aadhaar, salaried or self-employed, and a "starter limit" for applicants with no credit history at all. What the card earns is where the document stops. Cashback is not a rate here, it is a monthly game: on the 1st you are notified to pick two MCC categories from a list Unity controls, each carrying a percentage Unity sets that month and publishes nowhere, and if you pick nothing you earn nothing — except a 1% floor on utility payments and mobile top-ups that survives regardless. The MITC's only hard number on the earn side is the ceiling, capped at 20% for any category, against a total of ₹2,500 a calendar month and a ₹250 minimum before you can withdraw what you have earned. That cap is the sentence to read twice: ₹30,000 a year is the entire upside of this card no matter how much you spend, and the marketed "up to 20%" only exists inside it. We are not going to convert an advertising ceiling into a reward rate. For a reader of this desk the rest is quickly told. Forex is 3.50%, India's norm, so it is not a card to fly with. There is no lounge access anywhere in the MITC. The APR is 39.6% a year — 3.3% a month, at the harsh end of the Indian range — and rent carries a 1% fee. Hold it as a free, UPI-linked spending card with a savings account bolted on and a small monthly cashback game; do not hold it expecting an airline mile.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Unity Small Finance Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free — the MITC prints Nil against joining, annual, renewal, reissuance and replacement
- 2-in-1: the card draws on your Roarbank Savings Account balance and your credit limit together, settling the card from savings in real time
- Cashback on two MCC categories you re-pick in the app every month, capped at 20% for any one category
- A permanent 1% floor on utility payments and mobile top-ups, regardless of what categories you picked
- ₹0 on NEFT/RTGS/UPI/IMPS transfers and ₹0 to withdraw your own savings at a domestic ATM
- Starter limits for applicants with no credit history; 21–60, salaried or self-employed
- UPI-enabled, and up to 62 days interest-free
Watch out
- Unity publishes no cashback percentage for any category — they are set in the Roarbank app monthly and appear in no document, so this desk prints no earn rate at all
- Total cashback is capped at ₹2,500 in a calendar month; past that, 'additional cashback earned within the same month will not be credited or carried forward'
- Pick no categories and you accrue nothing outside utilities and mobile top-ups — the selection resets on the 1st and cannot be changed mid-month once you have transacted in it
- You cannot withdraw cashback below ₹250
- APR is 39.6% a year (3.3% a month), and late payment is 2% of unpaid dues with a ₹500 floor
- 3.50% foreign currency mark-up — exactly India's norm, with no lounge access anywhere in the MITC to offset it
- Rent (MCC 6513) carries a 1% fee; cash from the credit limit costs 3.5% at any ATM
- Opening the card opens a Roarbank Savings Account you cannot decline — the application is one flow
- A refunded transaction claws the cashback back out of your balance
- Unity never names the card network in either document — both say only 'Card Network'. We record RuPay because Unity's own page sells the card as UPI-enabled and RuPay is the only scheme NPCI permits on a UPI-linked credit card
What these points actually fly
Unity Small Finance Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Roarbank app only — download it, sign up, complete video KYC and activate the card in the app. Unity publishes no income figure: the stated criteria are Indian residency, age 21 to 60, a valid PAN and Aadhaar, salaried or self-employed, and applicants with no credit score are onboarded on a small "starter limit" that grows with repayment history.
per the official Unity Small Finance Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Lifetime free five rows deep: joining, annual, renewal, reissuance and replacement all Nil. Rent under MCC 6513 carries 1%. Interest-free up to 62 days including the 3-day RBI grace period. Chargeback ₹500; MAD 5% of the total due with a ₹500 floor. The cashback scheme publishes NO category percentage — only a 20% ceiling, a permanent 1% on utility and mobile top-ups, a ₹2,500 calendar-month earning cap and a ₹250 minimum withdrawal — which is why the card carries a null earn triple under our no-guess rule. No lounge clause exists in the document; the word does not appear.
per the official Unity Small Finance Bank MITC · reviewed 10 Jul 2026
What's changed for this card
1 dated change
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 14 Aug 2025Unity flattens the BharatPe card's earn grid — the ₹1-₹999 band goes 0% to 2%Zillion Coins paid on a three-rung ladder keyed to Bill Period Unpaid Spends: ₹1-₹999 earned 0%, ₹1,000-₹9,999 earned 1%, and only ₹10,000 and above earned the headline 2%. A ₹1,000-₹9,999 bill also converted to a fixed 3 EMIs → One rate for every band — 2% of Bill Period Unpaid Spends, whether the bill is ₹200 or ₹2,00,000. The ₹1,000-₹9,999 band also stops being locked to 3 instalments and joins the 'up to 12 EMIs, as per opted tenure' rung. A bill under ₹1,000 still converts to no EMI at all and is repaid in full on the due date — it simply earns 2% now instead of nothing
Unity publishes both grids side by side on the BharatPe card's own product page, headed 'Rewards (valid till 13th August 2025)' and 'Rewards (w.e.f from 14th August 2025)', and the second is a single merged cell reading 2% across all three spend bands. The old ladder is the interesting half: it charged the smallest spenders the most, paying literally nothing on a bill under ₹1,000 and 1% up to ₹9,999, so the advertised 2% only ever arrived on a ₹10,000 bill. Flattening it removes the minimum entirely. That matters more than the headline suggests on this particular card, because the ₹1-₹999 band is the ONE band that does not convert to the automatic 24% APR instalment plan — it is billed in full and repaid on the due date. Before 14 August 2025 the only interest-free spend on the card earned zero; since then it earns the full rate, which makes roughly ₹240 a year the honest ceiling on what this card pays a holder who refuses to borrow. Everything above ₹1,000 still earns 2% only as the EMI instalments are repaid, and coins on any amount you foreclose early are still forfeited. Unity announced none of this — the change is dated by the effective-date column on its own page and reproduced in the Key Fact Statement's flat 2% table.
Verified against Unity Small Finance Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- 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
- official Unity's Roarbank page — "Lifetime Free. No joining fee. No renewal fee. No conditions.", the fee table, the UPI claim and the 21–60 eligibility