UNITY SMALL FINANCE BANK LTD Unity Bank BharatPe Credit Card

Lounge access

• Complimentary RuPay lounge access: Within India - 2 visits per calendar quarter.
• Outside India - 2 visits per calendar year.
• Access to RuPay Exclusive Lounge at Delhi IGI, T3 Domestic Departure is NOT available under this complimentary benefit.

Verified · Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026) · 2026-08-04 · source

Forex markup

3.5% of the transaction amount (Foreign Currency Markup Fee).

Verified · Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026) · 2026-08-04 · source

Charge

• Charges (MITC April 2026): Cash Advance Fee (ATM withdrawals) Not Applicable.
• Online Cash Withdrawal Fee ₹15 per withdrawal transaction.
• EMI Processing Fee Nil.
• Auto-EMI Processing Fee Nil.
• Auto-EMI Interest Rate 24% APR (2% monthly, reducing balance).
• EMI Foreclosure Fee Nil.
• Late Payment Charge per slab: below ₹100 = ₹40, ₹101-250 = ₹90, ₹251-500 = ₹150, ₹501-1000 = ₹250, ₹1001-2500 = ₹500, ₹2501-5000 = ₹750, ₹5001-7500 = ₹900, ₹7501-10000 = ₹1000, ₹10001 & above = ₹1500.
• Overdue Interest 24% APR (2% monthly).
• Overlimit Fee Not Applicable (over-limit facility not available).
• Rent Payment Transactions Nil.
• Foreign Currency Markup Fee 3.5%.
• Fuel Surcharge 1%.
• Railway Ticket Purchase Surcharge as per IRCTC.
• Card Replacement Fee Nil.
• Duplicate Statement Fee Nil.
• Rewards Redemption Handling Fee Nil.
• GST 18% on all fees, interest, surcharge and charges.

Verified · Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026) · 2026-08-04 · source

Interest-free period

Interest free (grace) period ranges from 15 to 48 days, depending on the date of the transaction and the payment due date (does not apply to EMI transactions).

Verified · Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026) · 2026-08-04 · source

Fuel surcharge waiver

Fuel Surcharge: 1% of the transaction amount, levied by fuel merchants (petrol pumps) and acquiring banks.

Verified · Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026) · 2026-08-04 · source

Reward cap

• Uncapped 2% rewards.
• Maximum redemption against Card outstanding is ₹5,000 equivalent Zillion Coins per billing cycle.

Verified · Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026) · 2026-08-04 · source

Reward exclusion

• If the Cardholder forecloses/pre-closes the EMI Loan before its tenure, Rewards (Zillion Coins) corresponding to the foreclosed amount are forfeited and no points earned for such amount.
• Rewards apply only upon EMI repayments.
• Rewards not earned on BPUS of ₹1-999.
• Gold/jewellery purchases are restricted and not eligible for EMI conversion.

Verified · Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026) · 2026-08-04 · source

Insurance

Unity Bank BharatPe Credit Card does not have any complimentary insurance coverage benefits available for Cardholders.

Verified · Most Important Terms & Conditions (MITC) – Unity Bank BharatPe Credit Card (April 2026) · 2026-08-04 · source

Eligibility

• Available to both salaried and self-employed customers.
• Add-on Cardholder must be an Indian resident above 18 years and related to the Primary Cardholder as parent, spouse, child or sibling.

Verified · Cardholder Agreement / Terms & Conditions – Unity Bank BharatPe Credit Card · 2026-08-04 · source