Unlock superior financial flexibility with the BharatPe Unity Bank RuPay Credit Card. This lifetime-free card comes packed with benefits, including up to 2% uncapped cashback and complimentary airport lounge access, making every spend rewarding.
Key Benefits & Features
Lifetime Free: Enjoy zero joining fees and zero annual fees for life. No hidden charges, just complete transparency.Up to 2% Uncapped Cashback: Earn limitless Zillion Coins, equivalent to up to 2% cashback, on your EMI repayments. Redeem coins for bill payments, brand vouchers, or products via the BharatPe app (4 Coins = ₹1).
Complimentary RuPay Lounge Access: Elevate your travel with 2 complimentary domestic lounge visits per calendar quarter and 2 international lounge visits per calendar year at over 500+ global lounges. (Note: Delhi IGI, T3 Domestic Departure lounge is excluded).
Flexible EMI & Interest-Free Period: Benefit from an interest-free credit period of up to 48 days. Spends automatically convert to flexible EMIs (3-12 months) upon bill generation, with 0 foreclosure fees.Seamless UPI Payments: Link your RuPay credit card to any UPI app for convenient payments directly from your card limit.
Fees & Charges
- Joining Fee: ₹0
- Annual Fee: ₹0
- Auto EMI Interest Rate: 2% per month (reducing balance method)
- Foreclosure Fee: ₹0
How to Apply
- Download the BharatPe App: Available on Play Store and App Store.
- Onboarding & KYC: Complete your phone number, PAN verification, eKYC, and VKYC.
- Eligibility Check: Your credit limit will be assigned based on eligibility.
- Activate & Use: Set your billing date and PIN to start using your card immediately.
For more details or to apply, download the BharatPe app:
Download BharatPe App (Google Play Store)
Reward Accrual Logic:
- Used Limit < ₹1,000: No reward accrual
- ₹1,000 ≤ Used Limit < ₹10,000: 1% Reward accrual
- Used Limit ≥ ₹10,000: 2% Reward accrual
Rewards are accrued as Zillion points upon bill generation and realized upon timely EMI repayment.