Made for the way you spend
Experience more value with every swipe & scan
Lifetime Free Card
No Joining Fees. No Annual Fees. Our cards are Lifetime Free for you.
Make UPI payments on Credit Card
No wallet. No fuss. Just seamless UPI compatibility.
Unmatched Cashback & Rewards
Up to 20% cashback on chosen categories for select cards or uncapped rewards on EMIs! Let your spends earn!
No Annual Fees. More Value, Every Year
Enjoy rewarding credit cards with no annual fee.
Exciting Merchant Offers and Cashback
Up to 20% cashback on your card spends with offers on your favourite brands
Repay your bills flexibly
Convert your spends to EMI seamlessly and earn rewards too!
Make UPI Payments on Credit Card
Our cards are UPI enabled, link on any UPI app of your choice. Also earn rewards on your daily UPI transactions.
Complete Digital Experience
100% Digital onboarding journey, card controls to manage your card seamlessly, and much more!
Intuitive Spend analytics too.
Innovation Reimagined
Manage big ticket spends with easy and rewarding EMI options or all your payments under one roof, we have you covered with our innovative card offerings.
Powerful Digital Features
100% digital onboarding, card controls, intuitive spend analytics and much more!
Why Choose a Credit Card
from Unity Bank?
UPI Payments on
Credit Card
Make UPI payments directly using your credit card
no wallet, no fuss.
Lifetime Free Options
Enjoy zero joining and renewal fees
Attractive Cashback
Enjoy higher rewards on EMIs and chosen spend categories, through our credit card programs.
Innovative Options
Plan big-ticket purchases and easy EMI options or get a card for everyday use, our uniquely designed credit cards have you covered for every need.
Smart Digital Features
Analyse your spends, manage card controls, download your statement and much more.All via the app.
Choose your card
Unity Bank Zero Credit Card
No Bank fees of any kind. Period. Start your journey with an FD of just ₹2,000
Experience a lifetime free credit card with absolutely no hidden fees. Perfect for building your credit score while enjoying simple, transparent rewards and zero hidden costs.
- Zero Joining & Annual fee
- 0% Forex Markup fee
- No EMI Processing fee
- No Rewards Redemption fee
- Up to 1.5% Cashback on Card & UPI Spends
Roarbank Credit Card
India’s first 2-in-1 Credit Card that combines a digital savings account, so you stay in total control of your finances.
- Manage all payments through one powerful mobile application
- Interest-free credit period of up to 62 days*
- Up to 20% cashback on your top 2 chosen categories every month
- Savings account allows you to transact more and earn attractive interest rate
- Shake-to-pay feature for the newest way of instant peer transfers
Roarbank Credit Card
India’s first 2-in-1 Credit Card that combines a digital savings account, so you stay in total control of your finances.
- Manage all payments through one powerful mobile application
- Interest-free credit period of up to 62 days*
- Up to 20% cashback on your top 2 chosen categories every month
- Bundled savings account allows you to transact more and earn attractive interest rate
- Shake-to-pay feature for the newest way of instant peer transfers
Benefits of Using a Credit Card Wisely
Using your credit card the right way isn’t just about convenience it can actively improve your financial profile. Here's how:
Build Your Credit Score:
Timely repayments are reported to credit bureaus and can improve your CIBIL score, making it easier to qualify for loans in the future.
Earn Rewards and Cashback:
Most cards offer attractive cashback offers on different spend categories such as groceries, fuel, or fashion. Over a year, that could add up to significant savings.
Emergency Credit Access
Whether it’s a sudden hospital bill or last-minute travel, having a card with a decent limit can save you from borrowing at high interest elsewhere.
Exclusive Privileges:
Cards often come with lounge access, concierge services, travel insurance, movie ticket offers, etc., which you might never access otherwise.
Ease of Foreign Transactions:
Most credit cards are internationally accepted, making them essential for travel and online shopping from global platforms.
