One card.
Two balances. Complete control.
Smart, Seamless, and Rewarding
All your payment needs in one place. Introducing the Roarbank Credit Card – a powerful blend of credit and savings in one integrated card. Enjoy life-time free card, UPI access, attractive cashback, real-time expense tracking and much more, via the Roarbank app.
Click Here to know more about Roarbank.
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 settles your dues against available funds real-time and uses 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
The Roarbank Credit Card operates differently from traditional credit cards. It’s linked to a new savings account — which gives you have the power to do more!
When you make a payment, the card checks your linked savings account, settles any outstanding in real-time and reinstates your 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 or choose from multiple other repayment options on the Roarbank 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% |
| UPI Transaction Charges | ₹0 |
Click Here to view detailed terms and conditions on Roarbank Credit Card.
Click Here to view detailed terms and conditions on Roarbank Savings Account.
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.
Apply via the Roarbank App and start experiencing banking the way it should be. Simple, transparent, and rewarding.
