Experience Freedom with Every Swipe.
Unlock endless possibilities with the Unity Bank BharatPe Credit Card. Enjoy lifetime free access, auto-conversion EMI, and uncapped rewards. Shop globally with RuPay's trusted network and advanced security. Every swipe is smarter, faster, and more rewarding!
Product Features
1) Lifetime Free
- Zero Joining Fee
- Zero Renewal Fee
2) Automated-EMI Conversion
BILL DATE
Upon bill generation, your Bill Period Unpaid Spends get
automatically converted to EMIs / Billed in Full as per above table.
DUE DATE
Pay your bill before due date and earn up to 2% Reward Points on EMI repayments.
| Bill Period Unpaid Spends | Conversion to EMIs |
|---|---|
| ₹1 - ₹999 | No conversion is required; the amount will need to be repaid in full. |
| ₹1,000 - ₹9,999 | 3 EMIs |
| ₹10,000 and above | Up to 12 EMIs, as per opted tenure preference |
3) Limitless Rewards on EMI Repayment
- Earn up to 2% cashback worth of Zillion Coins.
- Redeem your coins for card bill payments or across partners on Zillion Click here. (4 Coins = INR 1).
- No restrictions on merchant categories for earning rewards.
Bill Period Unpaid Spends are converted to auto-EMIs / Billed in
Full as per the EMI conversion logic. Rewards are proportionately earned upon repayment of the billed EMIs and shall be credited to
your linked Zillion account on the next billing date as per.
We've partnered with Zillion to offer a fantastic loyalty program where you can redeem your Zillion Coins for vouchers at top merchants and enjoy many more exciting rewards.
| Bill Period Unpaid Spends | Rewards |
|---|---|
| ₹1 - ₹999 | 0% |
| ₹1,000 - ₹9,999 | 1% |
| ₹10,000 and above | 2% |
4) Rupay Common Lounge Access Programme
Elevate your travel experiences with complimentary access to premium airport lounges, powered by Rupay (Our Network Partner)
Within India:
You can enjoy 2 Complimentary Lounge visits every calendar quarter at major domestic in India
Outside India:
You can enjoy 2 complimentary lounge visits every calendar year at 500+ International Lounges worldwide
Click here to get the details of Participating Lounges
For Rupay Lounge T&C: Click Here
Important Notes
- Access to the Rupay Exclusive Lounge at Delhi IGI, T3 Domestic Departure is not available on this card under this complimentary benefit.
5) Interest Free Credit Period
Interest Free Credit Period of Up to 48 days on your Unity Bank BharatPe Credit Card from the date of purchase
Fees & Charges
Lifetime Free: Zero Joining and Renewal fee.
Auto EMI interest Rate: 2% (Monthly rate at reducing balance method).
Click Here to view details of Unity Bank BharatPe Credit Card Fees and Charges.
Who is eligible for
a Credit Card?
- For Salaried
Indian national
Age: Min 21 years & Max 65 Years,
Income: Minimum 2.5 Lakhs Per Annum
- For Self Employed
Indian national
Age: Min 21 years & Max 65 Years,
Income: Minimum ITR filing of 5 Lakhs per Annum
Disclosure of Cobranding agreement & Revenue sharing between USFB & BharatPe
The Unity Bank BharatPe Credit Card is issued by Unity Small Finance Bank (USFB) under a cobranding agreement with Resilient Innovations Private Limited (BharatPe). This card is exclusively available only through BharatPe mobile application.
Marketing Support Service (MSS): Unity Small Finance Bank may make payment of fees based on parameters like Customer acquisition, Branding, Performance marketing and services.
Percentage of spends: Unity Small Finance Bank may make payment of a certain percentage on Net revenue generated.
