Unity Small Finance Bank · RuPay

Roarbank RuPay

A lifetime-free RuPay card with app-selected monthly cashback categories, a ₹2,500 monthly cap and a ₹250 minimum withdrawal.

Check availability for Roarbank RuPay

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Cashback

Up to 20% on selected monthly categories

Selections

Choose 2 flexible categories in the app

Monthly cap

₹2,500 total cashback

Redemption

Minimum ₹250 withdrawal towards bill

Fee: Nil joining / annual
Monthly cap: ₹2,500 cashback
Redemption: ₹250 minimum

Choose monthly categories

Choose 2 flexible cashback categories each month in the Roarbank app, with advertised rates up to 20% on selected eligible categories. Your active category/rate and merchant coding determine rewards.

Cashback & redemption

Published cashback FAQ caps monthly earnings at ₹2,500 and requires ₹250 accumulated cashback before withdrawal towards the credit-card bill.

Card access & fees

Nil joining and annual fees, with virtual-card access and a physical RuPay card under issuer eligibility. Supported merchant UPI is available; credit-card UPI cannot be treated as a bank transfer or cash withdrawal.

Roarbank RuPay: fees & key facts

Roarbank RuPay credit card fees and key facts
Issuer	Unity Small Finance Bank; Roarbank is the app brand, not a separate issuing bank.
Joining and annual fees	Nil joining and annual fees as published; other card charges and interest follow the issued KFS/MITC.
Category selection	Choose 2 flexible monthly categories in the app. Up to 20% is a maximum promotional/category rate, not a universal base rate.
Caps and withdrawal	Official cashback FAQ: maximum ₹2,500/month; minimum ₹250 accumulated cashback to withdraw towards repayment of the credit-card bill.
Reward eligibility	Cashback depends on selected active categories, merchant classification, posted purchases and account eligibility. Unselected or excluded purchases do not automatically earn the headline rate.
RuPay and UPI	RuPay credit card can be linked to supported UPI apps for eligible merchant payments. Do not assume every UPI mode/category earns cashback.
Availability	Apply and check eligibility through the Roarbank app; actual credit limit and issued terms depend on Unity’s assessment.
Offer caution	App category rates, promotions and campaign dates change. Verify your selected offers before spending; older campaigns are not permanent benefits.

Public issuer terms checked 15 October 2026.

Official public card, cashback FAQ and MITC checked. Current category rates and any UPI offer remain app/account-specific; no universal 20%, birthday or old tier guarantee.

Roarbank official card Roarbank cashback programme Roarbank reward FAQ Unity card MITC

Who should get it

Roarbank is Unity Small Finance Bank’s app-based card offering. The appeal is selectable cashback categories, not an unconditional 20% return on every purchase.

Choose categories in the app each month and review the actual rate and cap shown for your account. Category availability changes, and old tier/birthday promotions should not be treated as permanent benefits.

A lifetime-free card still incurs interest and applicable charges if dues are not paid as required. Credit approval and limit depend on the bank; no credit-limit guarantee is made here.

Reward exclusions

Transactions that do not earn Cashback

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

Purchases outside the selected eligible category/offer do not receive its accelerator
Cash, fees, interest, reversals and other exclusions in the active cashback/issued-card terms

Official public card, cashback FAQ and MITC checked. Current category rates and any UPI offer remain app/account-specific; no universal 20%, birthday or old tier guarantee.

Checked 15 October 2026Roarbank official card Roarbank cashback programme Roarbank reward FAQ Unity card MITC

Roarbank RuPay FAQs

Does Roarbank give 20% on everything?

No. The published headline is up to 20% on selected categories. Choose categories in the app and check your active rates and limits.

How much cashback can I earn and redeem?

The official FAQ states a ₹2,500 monthly earning cap and a ₹250 minimum withdrawal towards credit-card repayment.

Who issues the Roarbank card?

Unity Small Finance Bank is the issuer. Roarbank is its app/card brand.

Is Roarbank lifetime free?

The bank advertises nil joining and annual fees. Interest, late-payment and other applicable card charges remain governed by the issued terms.

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