Roarbank credit card features

Your money. Your credit. Your way. All in one place

The only card you need

Savings account, credit card and UPI payment all in a single card. One card, total control

RuPay credit card with UPI

Link your card details to any third-party UPI app and pay using your credit card. You can scan QR codes, shop online, or pay in-store using UPI

Instant credit limit

Get a credit limit up to ₹3 lacs instantly. Plus, enjoy up to 62 days including 3 days grace period of interest-free spending

Free credit card

A lifetime free credit card with zero joining fees, zero annual fees, and zero hidden charges. Seriously

Stylish black credit card

A sleek black card that looks as sharp as it works. Designed to stand out without saying a word

Virtual credit card

Your card is ready to use instantly in the app. Shop online or link it to Google Pay for secure, tap-and-go payments

How to get Roarbank credit card?

Applying for a Roarbank credit card is quick, simple, and fully digital. Everything happens inside the app

Download the Roarbank app

Go to the Play Store or App Store and install the Roarbank app on your phone

Add your details

Enter your PAN and income information

Complete the KYC and order your card

Once approved, complete the KYC in the app and order your lifetime free credit card. We'll deliver it to your doorstep

Sign up and verify your identity

Create your account using your mobile number

Get your credit limit

Based on your profile, we’ll instantly assign a credit limit of up to ₹3 lacs

Activate and start spending

While you're waiting for your plastic card you can start spending using your virtual card. After you receive your card, just activate it in your app

FAQ 🧐

How to activate a Roarbank Credit Card?

Download and open the Roarbank app
Log in to your account
Once you receive your physical card, go to the card section in the app
Follow the activation instructions and set your card PIN
After activation, your card is ready for online, offline, and UPI payments

How to pay a Roarbank Credit Card bill?

You can pay your bill through: • The Roarbank app • UPI-enabled apps • Linked bank account transfers Note: Any cashback earned is automatically adjusted against your card balance, reducing your next bill amount

How to increase the Roarbank Credit Card limit?

Roarbank reviews your account based on: • Repayment history • Credit behavior • Usage patterns • Eligibility assessment Using the card regularly and paying dues on time can help qualify for a higher limit over time

Can I use a Roarbank Credit Card internationally?

The official Roarbank pages primarily highlight usage within India through RuPay, UPI, online purchases, and POS transactions. International acceptance depends on the network support and card configuration. Check the Roarbank app or contact support before international travel

What is the interest-free period on the Roarbank card?

Roarbank offers up to 62 days of interest-free credit period which includes a grace period too

How to check the Roarbank Credit Card limit?

Open the Roarbank app and navigate to the Credit Card section. Your available credit limit and used limit are displayed there. Roarbank offers limits of up to ₹3 lakh, subject to eligibility

Is a Roarbank Credit Card safe?

Yes, a Roarbank Credit Card is completely safe. Roarbank provides several security features: • PIN protection • Instant card block/unblock • Transaction limit controls • In-app card management • Secure digital onboarding • Private mode and spending monitoring tools These features help users maintain control over card security

How to add a Roarbank Credit Card to Google Pay?

Open Google Pay
Go to Payment Methods
Select Add RuPay Credit Card
Choose Unity Small Finance Bank from the supported bank list
Verify your card details and complete authentication
Set up the card for UPI payments

Once linked, you can scan QR codes and make merchant payments using your Roarbank RuPay Credit Card through Google Pay

Get RuPay credit card with up to 20% cashback