Roarbank RuPay Credit Card
Roarbank is a digital-first, lifetime-free RuPay credit card issued by Unity Small Finance Bank, integrating a credit card line, UPI payments, and a savings account into a single mobile application. Its primary feature is a customizable monthly cashback program: users choose two preferred spending categories each month (such as groceries, fuel, dining, or movies) to earn accelerated cashback advertised at up to 20%, subject to monthly category caps. Cashback is credited as direct cash rather than reward points. Operating on the RuPay network, the card seamlessly links with UPI applications for QR-based merchant payments, offers an interest-free credit cycle of up to 62 days (including a 3-day grace period), and requires no prior credit score for an instantly issued virtual card. Because the headline 20% cashback is subject to monthly caps and depends on category selection, realistic value is determined by active monthly category management.
