Lifetime-free RuPay credit card linked to a Roarbank savings account
Pay via UPI using your credit limit, earn up to 20% cashback on two self-selected categories each month, max ₹2,500/month
flat 1% cashback on utility bills and mobile top-ups
Credit limit up to ₹3 lakh, with up to 62 days interest-free period, including a 3-day grace period
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.3% per month (39.6% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.3%
ATM Withdrawal3.5% of the withdrawn amount is charged on cash advances using the credit card
3.5%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentNo cheque payment fee is charged
Not Applicable
Cash PaymentNo Cash payment fee is charged
Not Applicable
Late Payment Charges
Amount due
Fee
2% of the total amount due
Minimum of 500
A late payment charge of 2% of the total amount due, subject to a minimum of 500, is levied if the Minimum Amount Due is not paid ₹ by the Payment Due Date
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
