Unity BharatPe RuPay Credit Card

rupaybasiccreditshopping

Annual Fee

FREE

Base Reward

2% points

Foreign Markup

3.5%

4.3/5

Welcome Benefits

N/A

Product Highlights

Automatic EMI conversion of unpaid balances
Lifetime free credit card

Rewards Details

Earn up to 2% cashback in the form of Zillion Coins on unpaid balances converted to EMI.

Reward Points — Redemption Value

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

Fees & Charges

Annual FeeFREE

Joining FeeNil

Foreign Markup3.5%

Interest Rate2% per Month; 24% Annually

Eligibility

Min Age

21 yrs

Salaried

₹2.5L+

Self-Emp

₹5.0L+

Networks

rupay