Key features
What this card is built to do — the highlights that actually matter.
0% on Other
No base earn — Roarbank pays cashback ONLY on two categories the cardholder picks in the app each month, and nothing at all if no selection is made (MITC §10(b)). Category rates vary monthly and cap at 20%; total cashback caps at ₹2,500 a calendar month, ₹250 minimum to withdraw
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
UPI-first users who want a free card and will actively pick their two cashback categories each month to work the cap — and credit-builders (no history needed). Not a flat-rate or premium card.
Full reward structure
What you earn on every rupee, per spend category — as of 28 Sept 2026.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | cashback | 0% | ₹2,500 |
Other: No base earn — Roarbank pays cashback ONLY on two categories the cardholder picks in the app each month, and nothing at all if no selection is made (MITC §10(b)). Category rates vary monthly and cap at 20%; total cashback caps at ₹2,500 a calendar month, ₹250 minimum to withdraw
Earns nothing on: Wallet Loads · Gift Cards & Vouchers · Card top-ups earn no cashback
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 28 Sept 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.3% p.m. |
| Forex markup | 3.5% |
Should you get it?
- Best for: UPI-first spender who will actively manage cashback categories, Credit-builder wanting a free card with no history required
- Entry tier — great for first-time and lower-spend users.
Pros & cons
✓ Pros
- Lifetime-free RuPay/UPI card
- Up to 20% cashback on two self-chosen categories each month (capped)
- Interest-free period of up to 62 days
- No prior credit history required — instant virtual card
✕ Cons
- The 20% is a best-case on two chosen categories and is capped monthly
- Requires actively choosing categories each month to get value
- Issued by a newer Small Finance Bank; app-first, no lounge/premium perks
- Charges its own 1% fee on fuel, wallet-load and utility spends once each crosses ₹5,000 of cumulative monthly spend (w.e.f. 26 June 2026) — so a category you did not pick that month can cost you 1% while earning nothing
- Charges 1% on every rent payment (MCC 6513) from the first rupee, with no monthly threshold
Eligibility & documents
Documents required
- 📄PAN card, shown on the Video KYC call
- 📄Aadhaar number
- 📄Income details typed into the app, with no income documents to upload
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Cashback credited as real cash
- 🎁Manage card, UPI and linked savings account in the Roarbank app
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The 20% is a best-case on two chosen categories and is capped monthly, so the effective everyday rate is much lower — you have to actively manage category choices to get real value.
Frequently asked questions
Can I use Roarbank on UPI?
Is the Roarbank card lifetime free?
Does a lifetime-free card still charge anything?
How does the up-to-20% cashback work?
Who issues the Roarbank card?
How has the Roarbank RuPay Credit Card changed over time?
Has the Roarbank RuPay Credit Card been devalued recently?
When did the Roarbank RuPay Credit Card's fees last change?
The bottom line
A genuinely interesting free UPI card: pick two categories a month and earn an accelerated, capped cashback in real cash, with a long interest-free period and no credit history required. The value hinges on using the category picker and respecting the monthly cap — do that and it is a strong everyday free card; ignore it and it is ordinary.
How this page was built
Counted from this card’s own record: 1 earn rule, 1 of them capped and the spends listed as earning nothing.
Last updated 28 Sept 2026.
Sources & verification
Fees, reward rates, and benefits for the Roarbank RuPay Credit Card are taken from Unity Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 28 Sept 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Unity Small Finance Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · last change Jun 2026
2026
- ▼ FeeEffective 26 Jun 2026
Unity introduces a 1% transaction fee on fuel, wallet top-ups and utility spends
No category transaction fees→1% of the transaction amount, above ₹5,000 cumulative monthly spend per MCC group
Unity began charging 1% of the transaction amount on fuel, on wallet and card top-ups, and on utility spends, applied once that category crosses ₹5,000 of cumulative spend in a calendar month. Because Roarbank pays cashback only on two categories the holder selects in the app each month, a month in which fuel or utilities are not among those picks now costs 1% on that spend while earning nothing back — on a card marketed as lifetime free.
Verification: Unity Small Finance Bank ↗ · Confidence: High
2025
- ◆ LaunchEffective 2025
Roarbank RuPay credit card goes live with Unity Small Finance Bank
App-first lifetime-free RuPay/UPI card with up to 20% category-choice cashback
Roarbank — an app-first neobank experience built on Unity Small Finance Bank and the Fintech Farm platform — launched a lifetime-free RuPay credit card that bundles a card, UPI and a savings account in one app, with rotating up-to-20% cashback on two self-chosen categories each month (subject to a monthly cap). The card became publicly available through early-to-mid 2025; no issuer document pins an exact launch day, so the year is reconstructed from first coverage.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/roarbank#value-timeline">Roarbank RuPay Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
Want to know if this beats your current card for your spending?
Applications are submitted to and decided by Unity Small Finance Bank. CardAdvisor does not issue cards or process applications.