Unity bank BharatPe RuPay Credit card
Unity Small Finance Bank
Expert Rating
Free
NA
1.5%
Contents
Unity Bank and BharatPe have launched a RuPay co-branded credit card focused on EMI-led spends and easy redemption via the BharatPe app. The card promotes affordable EMI conversion (up to 12 months), lifetime free pricing (no joining or annual fee) and a simple rewards model called Zillion Coins. It targets digital-first customers who prefer UPI-linked credit, flexible EMIs and straight-forward redemptions for vouchers, products or bill payment.
Features of Unity bank BharatPe RuPay Credit card which makes it unique
Zillion Coins
Rewards currency for the BharatPe ecosystem
Redeem for brand vouchers, products, or to pay card bill via app
Designed for easy in-app redemption vs. complex partner transfer programs
EMI-first design
Card incentivises EMI conversion (rewards only on EMI-converted spends at the headline rate)
Encourages manageable repayments for big-ticket purchases
Different from traditional reward cards that focus on travel/dining
Rewards Structure of Unity bank BharatPe RuPay Credit card
EMI Converted Spends
acceleratedTransactions converted to EMI (auto or manual) within the app
Flat 2% on every EMI-converted transaction across merchant categories; credited as Zillion Coins via BharatPe app.
All Other Spends
baseNon-EMI transactions
Standard earn on non-EMI spends; confirm exact earn rate on bank T&C if you plan heavy non-EMI usage.
Fees & Charges of Unity bank BharatPe RuPay Credit card
Basic Fees
Transaction Fees
Other Charges
Fee Waiver Conditions
No renewal fee — lifetime free primary and add-on cards (per official launch).
Detailed Fee Structure of Unity bank BharatPe RuPay Credit card
| Fee Type | Amount | Frequency | Conditions | Note |
|---|---|---|---|---|
| Joining Fee | 0 | one-time | Lifetime free card — no joining fee for primary or add-on. | |
| Annual Fee | 0 | yearly | No annual fee — lifetime free per launch communication. | |
| Online Cash Withdrawal Fee | 15 | transaction | Per withdrawal (nil for standard cash advance as per launch). |
Additional Features of Unity bank BharatPe RuPay Credit card
UPI Link
Link RuPay credit card to UPI for payments and quick settle options
Requires BharatPe app integration and verification.
EMI Conversion
Auto/Manual conversion of purchases into EMIs up to 12 months
EMI interest/auto-EMI APR applies; check EMI terms per transaction.
Add-on Cards
Add-on cards supported (conditions per bank)
Lifetime free applies to add-ons as announced.
Application Process for Unity bank BharatPe RuPay Credit card
Step-by-Step Process
Download and open the BharatPe app
Start credit card onboarding with phone number and PAN
Complete eKYC / VKYC inside the app
Choose EMI preferences and activate the virtual/physical card
Physical card dispatched within 7–10 business days
Card allotment / virtual card immediate in app; physical dispatch typically 7–10 business days.
Online Application: Available
Instant Approval: Available
Required Documents for Unity bank BharatPe RuPay Credit card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Unity bank BharatPe RuPay Credit card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India via RuPay acceptance network and UPI integration
International Acceptance
RuPay acceptance internationally varies by merchant; check merchant acceptance or use partner networks
Online Acceptance
Yes — accepted at merchants supporting RuPay credit cards; EMI conversion subject to merchant opt-in
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Unity bank BharatPe RuPay Credit card
Basic Requirements
Income Requirements
Occupation Types:
Additional Conditions
Valid PAN and Aadhaar; mobile number linked to Aadhaar; eKYC completion via BharatPe app.
Approval Criteria
- Indian resident with valid PAN/Aadhaar
- Minimum age 21
- Minimum credit score ≈ 650; income thresholds as specified
Pros of Unity bank BharatPe RuPay Credit card
- Zero joining/annual fee — good for fee-sensitive customers
- Simple and generous 2% flat reward on EMI conversions
- Easy redemption within BharatPe app as vouchers or bill credit
Cons of Unity bank BharatPe RuPay Credit card
- ✗Top earn is limited to EMI-converted spends — non-EMI earn is modest
- ✗RuPay network — some international features (Priority Pass, wide forex partners) may be limited vs Visa/Mastercard premium cards
- ✗Limited public data on forex/insurance benefits compared with established banks
Frequently Asked Questions about Unity bank BharatPe RuPay Credit card
Is there a joining or annual fee for the Unity Bank BharatPe RuPay Credit Card?
No — the card was launched as lifetime free with no joining or annual fee for both primary and add-on cards per BharatPe/Unity launch.
How do I earn the headline 2% reward?
The headline '2% Zillion Coins' is credited on transactions that are converted to EMI using the card (auto/manual EMI conversion). Non-EMI spends earn a lower base rate.
Where can I redeem Zillion Coins?
Zillion Coins redeem via the BharatPe app for brand vouchers, products, or to offset credit card bills (subject to maximum redemption caps and T&C).
Can I link this RuPay credit card to UPI?
Yes — the card supports linking to UPI via the BharatPe ecosystem for payments and quicker bill settlement options as announced in the product launch.
What EMI tenures are available?
Flexible EMI tenures of up to 12 months are available on eligible transactions; interest and processing terms vary by merchant and EMI option.
Who is eligible to apply?
Applicants must be Indian residents aged 21–65. Typical minimum income thresholds apply (salaried ~₹25,000/month; self-employed ~₹35,000/month) and eKYC via BharatPe is required.
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