fintech
Unity BharatPe RuPay Credit Card
Annual Fee
Lifetime FreeBase Reward
2% points
Foreign Markup
3.5%
Welcome Benefits
N/A
Product Highlights
- Automatic EMI conversion of unpaid balances
- Lifetime free credit card
Reward Calculator
Earns ₹6,000/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
6K
Zillion Coins
₹6K
via standard
Effective rate
2.00%
Annual fee
FREE
Year 1 net
+₹6,000
Year 2+ net
+₹6,000
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn up to 2% cashback in the form of Zillion Coins on unpaid balances converted to EMI.
- Zillion Coins can be Redeemed on Zillion app or for the Card’s Bill Payment
Benefits & Features
Domestic: 2 Free Visits per Quarter; 8 Visits Annually International: 2 Free Visits Annually Complimentary lounge access for domestic and international travel.
Pros & Cons
Pros
- No joining or renewal fee
- The auto-EMI feature makes repayment manageable
- Up to 2% cashback in Zillion Coins
- Complimentary domestic and international lounge access
Cons
- No movie, dining, or travel-specific offers
- 3.5% foreign currency markup
- EMI-based rewards mean you earn only when balances are not paid in full
- No insurance cover included
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹2.5L+
Self-Emp
₹5.0L+
Networks