Roarbank Credit Card
One card. Two balances. Complete control.
A card that meets all your payment needs! works the way you do!
The Roarbank Credit Card offers a new kind of flexibility — combining your credit and savings account balances into one integrated card. Whether you’re This card paysing from your available balances first and or then accessesing your credit line, with every transaction is being seamless, secure, and fully visible on the Roarbank app.
With no joining or annual fees, UPI payment compatibility, and attractive up to 20% cashback across key spending categories, this card is designed to give you value, convenience of use and smarter monitoring of your expenses without complexity.
Key Features & Benefits
Lifetime free
- No joining fee. No renewal fee. No conditions.
2-in-1 Card
- Linked to a savings account, the card uses your available balance first and automatically switches to credit when needed.
UPI Enabled
- Make payments on UPI platforms using your credit card — just like you would with your debit card.
Up to 20% Cashback
- Choose your Top 2 categories every month Monthly rotating offers across categories such as dining, groceries, transport, and more.
Shake-to-Pay
- A convenient feature that lets you transfer money to nearby contacts with a quick phone shake.
Interest-Free Period
- Enjoy up to 62 days* of interest-free credit on your purchases.
Powerful Digital App
- Intuitive spend analytics, set card controls, contact support and much more, all through one app!
Powerful Digital App
Intuitive spend analytics, set card controls, contact support and much more, all through one app!
Interest-Free Period
Enjoy up to 62 days* of interest-free credit on your purchases.
Shake-to-Pay
A convenient feature that lets you transfer money to nearby contacts with a quick phone shake.
How It Works – Smarter Spending, Built-In
The Roarbank Credit Card operates differently from traditional credit cards. It’s linked directly to your savings account — which means you have the power to do more, with one card don’t automatically rely on borrowed money.
When you make a purchase, the card checks your linked savings account first. If there’s enough balance, the amount is debited directly used first — just like you would with a debit card. But if your savings balance is insufficient, the shortfall is seamlessly covered by your pre-approved credit limit.
This system puts your own money to work first, and first and only turns to credit when it’s needed. It’s a built-in way to stay aware of your spending, avoid unnecessary debt, and still enjoy the flexibility of credit when it matters.
In the same way, the card allows easy repayments – just fund your savings account and it gets adjusted against your dues real-time. Or choose from multiple other repayment options on the app.
Example: You have been granted a credit limit of INR 1.5 lacs. You may choose to fund your savings account by any amount. Now, assume you make a transaction worth ₹5,000 at an online store.
Scenario
Funds Used
Balances
Savings balance: ₹9,000
Uses savings only
Savings: ₹4,000
Savings balance: ₹2,000
Part savings + Part credit used
Savings: ₹0, Credit Used: ₹3147,000
Savings balance: ₹0
Credit line fully utilized
Savings: ₹0, Credit Used: ₹145,000
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| Amount | Rates (p.a)* |
|---|---|
| Upto ₹1 lakh | 6% |
| > ₹1 lakh - ₹5 lakh | 7.25% |
| > ₹5 lakh | 7.50% |
Hear from our customers
Amazing Banking Experience 🤙🏻
This bank has an awesome team and a dedicated staff. I am very impressed by their easy explanation and humility while interacting with them, especially the branch manager. I would like to conclude that I am really happy to join hands with Unity bank and hope this trust and transparency remain the same and we grow together.
Samir Doshi
The branch banking and service at parel branch was absolutely fantastic and the experience was wonderful. The staffs were courteous and willing to help me with bank formalities.
Vispi B. Baria
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