UNITY SMALL FINANCE BANK LTD Roarbank Credit Card

Charge

• Card charges: Joining fee Nil.
• Annual membership fee Nil.
• Card renewal fee Nil.
• Card reissuance fee (expired cards) Nil.
• Card replacement fee (damaged/lost/stolen) Nil.
• Duplicate statement fee Nil (digital only).
• Funds transfer (NEFT/RTGS/UPI/IMPS from Savings Account) 0.00%.
• Cash withdrawal from Savings Account at domestic ATMs 0.00%.
• Cash withdrawal utilizing Total Credit Limit at domestic ATMs 3.50%.
• Cash withdrawal from Savings Account at international ATMs 2.50%.
• Cash withdrawal utilizing Total Credit Limit at international ATMs 3.50%.
• Over limit fee: not currently available on this Card.
• Rent transaction fee (MCC 6513) 1.00% of amount paid.
• Foreign currency transaction fee 3.50%.
• Fuel Transactions fee (w.e.f. June 26, 2026) 1% on monthly spend over ₹5,000 in specified MCCs.
• Wallet Load fee (w.e.f. June 26, 2026) 1% on monthly spend over ₹5,000 in MCC 6540/6541.
• Utility Transactions fee (w.e.f. June 26, 2026) 1% on monthly spend over ₹5,000 in specified MCCs.
• Convenience fee ₹499 (on successful upsell/limit increase with consent).
• Interest/finance charge 39.6% per annum (3.3% per month).
• Penalty charge/LPC 2% of Amount Due subject to minimum ₹500 (minimum ₹750 w.e.f. August 01, 2026).
• Chargeback fee ₹500.
• GST 18% on fees/interest/penalty/charges.
• EMI processing fee Nil.
• EMI interest rate 1% fixed monthly flat on principal.
• EMI foreclosure fee 2% of principal outstanding.
• Partner EMI processing fee ₹300 (plus 18% GST).
• Partner EMI interest 0.7397%-0.8928% monthly flat (APR 16%).
• Partner EMI foreclosure fee 2% of principal outstanding.
• Balance inquiry charges Nil (on Roarbank App).

Verified · MITC – Roarbank Credit Card (roar.bank.in) · 2026-08-04 · source

Interest-free period

• Up to 62 days interest-free credit period (including a 3-day grace period).
• Can range from 30-62 days depending on date of purchase, provided Total Amount Due is paid in full by the Payment Due Date.

Verified · MITC – Roarbank Credit Card (roar.bank.in) · 2026-08-04 · source

Fuel surcharge waiver

• Fuel Transactions fee (w.e.f. June 26, 2026): 1% on transactions exceeding a cumulative monthly spend of ₹5,000 within MCC group 1361, 5172, 5541, 5542, 5983, 9752, 5555, 3851.
• (No fuel surcharge waiver benefit is offered; instead a 1% fee applies above the ₹5,000 monthly threshold.).

Verified · MITC – Roarbank Credit Card (roar.bank.in) · 2026-08-04 · source

Redemption value

• Rewards redemption fee: Not Applicable.
• Cashback is tracked in the Roarbank App.
• To redeem, select 'Withdraw Cashback' in the Cashback menu and the amount is automatically transferred to the Roarbank Card.
• If a transaction for which cashback was credited is refunded, the corresponding cashback is deducted from accumulated cashback balance (and if already withdrawn with no balance, reversed from the credit limit).

Verified · MITC – Roarbank Credit Card (roar.bank.in) · 2026-08-04 · source

Reward cap

• Maximum cashback earnable in a calendar month is ₹2,500 (additional cashback beyond this is not credited or carried forward).
• Minimum cashback that can be withdrawn is ₹250.
• Maximum cashback percentage for any category capped at 20%.

Verified · MITC – Roarbank Credit Card (unity.bank.in) · 2026-08-04 · source

Reward exclusion

Verified · MITC – Roarbank Credit Card (roar.bank.in) · 2026-08-04 · source

Insurance

• No complimentary insurance coverage.
• Roarbank Card does not have any complimentary insurance coverage benefits available for Cardholders.

Verified · MITC – Roarbank Credit Card (roar.bank.in) · 2026-08-04 · source

Eligibility

• Card is applied for and managed through the Roarbank App.
• Application includes opening a linked Roarbank Savings Account.
• The Roarbank Savings Account can be opened by eligible individuals who are Indian citizens of or above 18 years of age.
• Total Credit Limit assigned at time of application based on credit assessment, subject to change at the Bank's sole discretion.

Verified · harvested from product page · 2026-08-04 · source

Official terms

https://unity.bank.in/personal-banking/cards/credit-card/usfb-roarbank-credit-card.

Verified · Roarbank Credit Card product page · 2026-08-04 · source