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Fintech Cards

Unity Bank BharatPe RuPay Credit Card

  • Joining fee

    LIFETIME FREE

  • Annual fee

    LIFETIME FREE

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    Up to 2% Cashback as Zillion Coins

  • Reward redemption

    Zillion Coins can be Redeemed on Zillion app or for the Card’s Bill Payment

Benefits

  • Domestic lounge

    2 Free Visits per Quarter; 8 Visits Annually

  • International lounge

    2 Free Visits Annually

Fees & charges

  • Foreign currency markup

    3.5%

  • Interest rates

    2% per Month; 24% Annually

  • Fuel surcharge waiver

    1%

Product highlights

  • The card converts your unpaid balance to EMI automatically
  • The interest rate charged on EMI conversion is as low as 2% monthly and follows the reducing balance method.

Pros & cons

Pros

  • No joining or renewal fee
  • The auto-EMI feature makes repayment manageable
  • Up to 2% cashback in Zillion Coins
  • Complimentary domestic and international lounge access

Cons

  • No movie, dining, or travel-specific offers
  • 3.5% foreign currency markup
  • EMI-based rewards mean you earn only when balances are not paid in full
  • No insurance cover included

Eligibility

CriteriaSalariedSelf-employed
AgeMinimum 21 Years & Maximum 65 YearsMinimum 21 Years & Maximum 65 Years
IncomeMinimum ₹2.5 Lakh per YearMinimum ₹5 Lakh per Year

FAQs

Does the Unity BharatPe Credit Card offer airport lounge access?

Yes, the card offers 2 complimentary domestic lounge accesses per quarter (8 annually) and 2 international accesses annually.

How can I redeem the Zillion Coins earned through this card?

Zillion Coins can be redeemed on the Zillion platform for vouchers or merchandise, or directly used to pay your credit card bill.

How does the auto-EMI feature work on this credit card?

Any unpaid bill of ₹1,000 or more is automatically converted into EMIs. The interest charged is 2% per month on a reducing balance basis.

Is there any joining or renewal fee for the Unity BharatPe Credit Card?

No, the card comes with zero joining and renewal fees, making it a lifetime free card.