The RoarBank RuPay Credit Card is an app-based, lifetime-free credit card that rolls three things into one: a savings account, a RuPay credit card and UPI payments. Because it runs on RuPay, you can link it to UPI and pay at any shop QR code using your credit limit. Its headline feature is up to 20% cashback on two categories you pick each month.
Key features
| Feature | Details |
|---|---|
| Joining and annual fee | Free, lifetime free |
| Cashback | Up to 20% on 2 categories you select each month |
| Credit limit | Up to ₹3 lakh |
| Interest-free period | Up to 62 days |
| Savings account interest | Up to 7% a year |
| Approval | Instant, with a virtual card |
Good to know: the offer says cashback goes up to 20% but does not publish caps or the full category list. Check the current categories and limits in the app before you lean on that rate.
How the cashback works
Each month you choose two spending categories and earn boosted cashback on them. You can change your picks every month, so if you have a big travel or shopping month coming, you can point the higher rate at it. Cashback is credited directly and can be used to pay your card bill.
Other features
- 2-in-1 setup: savings account, credit card and UPI in a single app.
- EMI conversion: turn larger purchases into EMIs from inside the app.
- Shake to pay: send money instantly to nearby friends by shaking your phone.
- Interest-free credit: up to 62 days when you pay your full bill on time.
Using a credit card on UPI
Linking a RuPay credit card to UPI means you can pay at the local kirana, chai stall or pharmacy by scanning their QR code, and the amount goes on your credit card bill instead of leaving your bank account straight away. That gives you the interest-free period on everyday small payments too. Just remember it is still borrowed money: pay the full bill by the due date to avoid interest.
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Renewal | No renewal fee, ever |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹25,000 a month or more |
| Income (self-employed) | ITR above ₹3 lakh a year |
| Credit score | 700 or above |
| First credit card? | Not allowed; you need an existing credit history |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
How to apply
- Tap Apply on this page. You will be taken to the RoarBank app on the Play Store.
- Install the app and finish the application in the same session.
- Use your Aadhaar-linked mobile number and complete video KYC from your current address.
- Once approved, start using the virtual card and make a first transaction of ₹100 or more within 30 days.
Who should get it, and who shouldn’t
Get it if you want a free credit card to use on UPI, like choosing where your cashback goes, and already have a credit score of 700 or more. Since there is no fee, it also works well as a second card.
Skip it if this would be your first credit card, as new-to-credit applicants are not accepted, or if you prefer a big, established bank with branches.
