One card.
Two balances. Complete control.
A card that meets all your payment needs!
The Roarbank Credit Card offers a new kind of flexibility — combining your credit and savings account balancess into one integrated card. This card pays from your available balances first and then accesses your credit line, with every transaction being seamless, secure, and fully visible on the Roarbank app.
With no joining or annual fees, UPI payment compatibility, and attractive cashback across key spending categories, this card is designed to give you value, convenience of use and smarter monitoring of your expenses.
Product Features
Powerful Digital App
Intuitive spend analytics, set card controls, contact support and much more, all through one app!
Interest-Free Period
Enjoy up to 62 days* of interest-free credit on your purchases.
Shake-to-Pay
A convenient feature that lets you transfer money to nearby contacts with a quick phone shake.
Lifetime Free
No joining fee. No renewal fee. No conditions.
Up to 20% Cashback
Choose your Top 2 categories every month such as dining, groceries, transport, and more.
2-in-1 Card
Linked to a savings account, the card uses your available balance first and automatically switches to credit when needed.
UPI Enabled
Make payments on UPI platforms using your credit card Just like you would with your debit card.
How It Works –
Smarter Spending, Built-In
The Roarbank Credit Card operates differently from traditional credit cards. It’s linked directly to your savings account — which means you have the power to do more, with one cardWhen you make a purchase, the card checks your linked savings account first. If there’s enough balance, the amount is used first — just like you would with a debit card. But if your savings balance is insufficient, the shortfall is seamlessly covered by your pre-approved credit limit.This system puts your own money to work first and only turns to credit when it’s needed. It’s a built-in way to stay aware of your spending, avoid unnecessary debt, and still enjoy the flexibility of credit when it matters.In the same way, the card allows easy repayments – just fund your savings account and it gets adjusted against your dues real-time. Or choose from multiple other repayment options on the app.
Example :
You have been granted a credit limit of INR 1.5 lacs. You may choose to fund your savings account by any amount. Now, assume you make a transaction worth ₹5,000 at an online store.
This hybrid model means fewer surprises at the end of your billing cycle — and more control, right from the start.
Fees & Charges
| Particulars | Details |
|---|---|
| Joining Feee | ₹0 |
| Annual Fee | ₹0 |
| Interest Rate | 3.3% per month |
| Late Payment Fee | 2% of unpaid dues subject to a minimum of ₹500 |
| Cash Advance Withdrawal Fee | From Savings Account: ₹0 (domestic ATMs) and 2.5% (international ATMs) From Cash Limit on Card: 3.5% [Insert fee or range] |
| UPI Transaction Charges | ₹0 |
Click Here to view the detailed terms and conditions on Roarbank Credit Card
Who Can Apply?
- Indian residents aged 21–60 years
- Minimum monthly income of ₹25,000
- Valid PAN and Aadhaar
- Available for both salaried and self-employed individuals
- Available for those without a credit score through starter limit
How to Apply
1. Download the Roarbank app from Google Play or App Store
2. Sign up and fill your details
3. Complete your video KYC
4. Activate your card on the App
5. You may choose to fund your Roarbank Savings Account
And that’s it! You are all ready to start transacting.
What is Starter Limit?
No credit history? No worries. Roarbank helps customers build their credit score by offering small Starter Limits. As you use your card and make timely repayments, your limit will gradually increase. Additionally, you can fund your Savings Account to boost your spending power on the card!
Designed for Responsibility. Built for Rewards.
- The Roarbank Credit Card is designed for your needs. That means you stay in control of how you spend while enjoying rewards and credit flexibility when you need it.
