Finding the right credit card can be tough. You want good rewards, easy payments, and no hidden fees. Most cards promise great benefits but then hit you with charges you never saw coming. That changes today.
Roarbank – an initiative by Unity Small Finance Bank Limited brings something different to the table. This card combines three products in one. You get a credit card, a savings account, and UPI payments together. No joining fee. No annual charges. Just straightforward banking.
What Makes This Card Different
Traditional credit cards work one way. You spend money, get a bill, and pay it later. However, this creates a cycle where many people lose track of their spending. They end up paying interest on purchases they forgot about.
The Roarbank card works differently. It links directly to your savings account. When you make a payment, the card checks your account first. If you have money there, it uses that. Your credit limit gets restored right away. On the other hand, if your account is low, the card uses your credit limit instead.
This system helps you stay aware of your spending. You know exactly where your money goes. Furthermore, you avoid unnecessary debt because your own money gets used first.
Getting Started Is Simple
You do not need a credit history to apply. Many people struggle to get their first credit card because banks want to see past credit use. That is a catch-22 situation. How can you build credit if nobody gives you credit?
Roarbank – an initiative by Unity Small Finance Bank Limited solves this problem. Download the mobile banking app from the App Store or Play Store. Registration takes about three minutes. After that, you get instant credit limit approval. Your virtual card becomes available immediately.
The physical black card arrives at your doorstep soon after. You can start using it right away.
Real Money Back, Not Just Points
Most reward programs give you points. These points have complicated redemption rules. Sometimes they expire before you can use them. Often, they are worth less than you think.
This card gives you actual cashback instead. You can earn up to 20% on your purchases. That is real money you can use.
Here is how it works. Each month, you choose two spending categories. These might include dining, groceries, transport, or shopping. Additionally, the system assigns two more categories automatically. You earn cashback when you spend in these categories.
Moreover, you get 1% cashback on utility bills and mobile top-ups. This applies all the time, regardless of your chosen categories. The maximum cashback you can earn is 2,500 rupees per month.
The best part? You can withdraw your cashback anytime through the app. It goes straight to your card account. No waiting periods. No minimum amounts. No complicated processes.
UPI Integration That Actually Works
UPI changed how India makes payments. Scanning QR codes and sending money to phone numbers became normal. However, most credit cards could not use UPI until recently.
The Roarbank card works seamlessly with UPI platforms. Add it to Google Pay, PhonePe, or Paytm. Search for Unity Small Finance Bank when adding the card. Set up your PIN. Start making payments.
You can scan QR codes at shops using your credit card. Send money to friends and family. Pay bills. All through UPI. All using your credit limit if needed.
This feature makes the card incredibly useful. Previously, you had to carry cash or use your debit card for small purchases. Now, everything works through one card.
Interest-Free Period That Makes Sense
Credit cards typically offer 45 to 50 days interest-free. This card gives you up to 62 days. That includes a three-day grace period.
This means you can make a purchase today and pay for it two months later without any interest. Of course, this only works if you pay the full amount due. Still, it gives you breathing room for managing your money.
Managing Your Card Is Easy
The mobile banking app puts everything in one place. You can check your balance anytime. View all your transactions. See detailed spending analytics with visual charts.
Need to change your PIN? Do it in the app. Want to set spending limits? That option is there too. You can even block and unblock your card if needed.
The app also lets you tag payments. This helps you remember what purchases were for. You can plan budgets based on your spending patterns. Track your finances without switching between multiple apps.
One unique feature is called “shake to pay.” Shake your phone to send money to nearby contacts quickly. It sounds gimmicky but actually saves time.
Privacy Features You Will Appreciate
Not everyone wants their balance displayed all the time. The app includes a private mode. Turn it on and your balance disappears from the screen. Your transactions stay hidden too. Nobody can peek over your shoulder and see your financial information.
Additionally, you can customize the app appearance. Choose dark theme or any background color. Make it look the way you want.
Real Human Support When You Need Help
Customer service matters, especially with financial products. Many banks use chatbots that give generic answers. They rarely solve actual problems.
Roarbank – an initiative by Unity Small Finance Bank Limited provides real human support. No bots. No automated responses that miss your question. Actual people who understand banking and can help with your specific issue.
Repayment Options That Work For You
Paying your credit card bill should be simple. With this card, you have multiple options.
The easiest way is funding your linked savings account. Transfer money from any Indian bank account. Use payment apps. The money goes into your account and settles your card dues automatically.
Alternatively, use the various payment options in the app. Choose what works best for your situation.
There is also an undo feature for payments. Made a mistake? You have seven seconds to reverse the transaction. This small detail shows thoughtful design.
No Hidden Charges To Worry About
Many credit cards advertise no fees but charge you for everything else. Annual maintenance. Statement generation. Transaction processing. The list goes on.
This card is lifetime free. No joining fee. No renewal fee. No conditions to meet. What you see is what you get.
ATM withdrawals do have charges, which is standard. However, regular transactions are free. Online shopping, POS payments, UPI transfers – all free.
Building Credit While Staying In Control
For people without credit history, this card offers a starter credit limit. Use the card responsibly. Make payments on time. Build your credit score gradually.
The linked savings account feature helps prevent overspending. You see exactly what you are spending because your own money gets used first. This awareness naturally leads to better financial decisions.
Is This Card Right For You?
Consider getting this card if you want simple, transparent banking. It works well for people who use UPI regularly. The cashback categories suit everyday spending. The app makes management easy.
Students and young professionals find it particularly useful. No credit history requirement removes a major barrier. The spending analytics help develop good money habits early.
However, remember that credit is a tool. Use it wisely. Pay your bills on time. Do not spend more than you can afford just because credit is available.
Final Thoughts
The Roarbank card represents a new approach to credit cards in India. It combines three essential financial tools into one product. The mobile banking app makes everything accessible and transparent.
Up to 20% cashback gives real value. UPI integration provides convenience. The linked savings account promotes responsible spending. No hidden fees mean you know exactly what you are getting.
Banking should work for you, not against you. This card delivers on that promise. Download the app today and see the difference yourself.
Remember, financial products are serious decisions. Read all terms and conditions carefully. Understand how the card works before you start using it. Make sure it fits your needs and lifestyle.
Roarbank – an initiative by Unity Small Finance Bank Limited offers a solid option for modern banking needs. Whether you are building credit for the first time or looking for better rewards on everyday spending, this card deserves your consideration.