Experience Freedom with Unity BharatPe RuPay Credit Card

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 the table.

DUE DATE

Pay your bill before due date and earn up to 2% Reward Points on bill repayments.

Bill Period Unpaid Spends Conversion to EMIs
(valid till 13th August 2025)
Conversion to EMIs
(w.e.f from 14th August 2025)
₹1 - ₹999 No conversion is required; the amount will need to be repaid in full. No conversion is required; the amount will need to be repaid in full.
₹1,000 - ₹9,999 3 EMIs Up to 12 EMIs, as per opted tenure preference
₹10,000 and above Up to 12 EMIs, as per opted tenure preference

3) 2% Cashback worth Zillion Coins upon Bill Repayments (w.e.f 14th Aug )

• Earn up to 2% cashback worth of Zillion Coins on Bill repayments (excluding on Fees, Charges, Interest and Tax components).

• 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 earned upon repayment of the bill principal amount (excluding Fees, Interest, Charges and Tax) and shall be credited to your linked Zillion account on the next billing date as per below table.

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
(valid till 13th August 2025)
Rewards
(w.e.f from 14th August 2025)
₹1 - ₹999 0% 2%
₹1,000 - ₹9,999 1%
₹10,000 and above 2%

4) CC on UPI

Enjoy the convenience of UPI payments by linking your Unity Bank BharatPe RuPay Credit Card to any UPI-enabled app such as BharatPe, PhonePe, Google Pay, CRED, BHIM, Paytm and more. Make seamless payments at millions of merchants using your credit card – no POS machine required!

How to Link the Credit Card to UPI :

1. Download any UPI-enabled app from the App Store or Google Play Store.

2. Verify your mobile number linked to your credit card within the app.

3. Select “Add Credit Card” or “Link Credit Card” from the app’s UPI settings.

4. Choose “Unity Small Finance Bank Ltd. RuPay Credit Card” from the list of available banks.

5. Set your 4- digit UPI PIN to complete the linking process.

Once linked, you’re ready to make UPI payments directly from your credit card – quickly, securely, and with the added benefit of rewards!

5) 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

To get the details of Participating Lounges : Click here 

For Rupay Lounge T&C : Click Here

Important Note

Access to the Rupay Exclusive Lounge at Delhi IGI, T3 Domestic Departure is not available on this card under this complimentary benefit.

6) Health Checkup

Enjoy the added benefit of wellness with your Unity Bank BharatPe Credit Card. As a primary cardholder, you are eligible for one complimentary health checkup package every year, helping you stay on top of your health with ease and convenience.

What you Get :

1 Free Health Checkup Package annually.

• Continued access to discounted health checkup services after availing the free package.

Visit the Rupay website and login to explore available packages and redeem your complimentary health checkup Click Here

7) 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 INR 2.5 Lakhs per annum

For Self Employed

Indian National

Age: Min 21 years & Max 65 Years, 

Income: Minimum INR 5 Lakhs per annum.

Important Links

MITC

Cardholder Agreement

Key Fact Statement

Credit Card Policy

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.

Frequently Asked Questions