Unity Small Finance Bank Credit Card

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Unity Bank BharatPe Credit Card
  • Best suitable for: Rupay
  • Joining Fee: ₹ Lifetime Free
  • Annual Fee: ₹ Lifetime Free
  • Welcome Benefits: Not Aplicable
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💳 Unity Small Finance Bank Credit Card – Features, Benefits, Apply Online & FAQs | BankCliq

Unity Small Finance Bank , a new-age digital-first banking institution in India, has entered the credit card market with an aim to offer smart, secure, and reward-driven cards to modern consumers. Their focus is on digital convenience, value-added benefits, and wider accessibility, especially to those underserved by traditional credit channels.
On BankCliq.com, you can explore everything about the Unity Bank Credit Card, compare it with other options, and apply online seamlessly..

Why Choose Unity Bank Credit Card?

Unity Small Finance Bank offers credit cards that combine cutting-edge technology, minimal paperwork, and transparent pricing. Their cards are designed to be inclusive while still providing the standard benefits of mainstream cards like rewards, lounge access, and EMI flexibility.

Key Benefits:

  • Instant virtual credit card on approval

  • Instant virtual credit card on approval

  • Lifetime free card offers (promo-based)

  • No hidden charges or processing fees

  • Reward points on all purchases

  • SmartEMI, contactless payments & fraud protection

Eligibility Criteria

For Salaried Individuals
  • Age: 21 to 60 years
  • Minimum monthly income: ₹15,000+
  • Good credit score (650+ recommended)
  • BharatPe merchants have a chance to get approved instantly
For Self-Employed Individuals
  • Age: 21 to 65 years
  • Minimum annual income: ₹6 lakh+
  • Stable income proof and credit history
Criteria may vary for different cards. Use our instant eligibility checker to know your options.

Documents Required

  • PAN Card

    Mandatory for all applications

  • Address Proof

    Aadhaar card, Passport, or Voter ID

  • Income Proof

    Salary slip, ITR, or bank statements (last 3 months)

  • Photograph

    Passport-size photograph

Upload documents online through our paperless application process.

FAQ on Unity Small Finance Bank Credit Card

1. Is Unity Bank credit card lifetime free?

Yes, under the current promotional scheme, the RuPay Select credit card is lifetime free. No joining or annual charges apply.

2. Can I get a Unity credit card without an existing Unity account?

Yes. Anyone meeting the eligibility criteria can apply. Account holders may have faster approval, but it’s not mandatory.

3. Does the card support EMI conversion?

Yes, Unity allows EMI conversion on eligible transactions. You can do this instantly via their mobile app.

4. Is lounge access available on Unity credit cards?

Yes. The RuPay Select card offers complimentary access to select domestic airport lounges in India (typically 2–4 visits per year).

5. What is the credit limit on Unity credit cards?

Initial limits range from ₹10,000 to ₹5 lakh, based on your credit profile and income. The bank may revise limits after regular usage..

6. Is this card accepted internationally?

Currently, RuPay cards have limited international acceptance, but they are working with partners to expand access (e.g., through Discover & JCB networks). For global travel, Visa/Mastercard cards are better.

7. How do I contact Unity Bank credit card customer care?

You can call Unity Bank’s 24x7 customer care at 1800-209-8000 or raise service requests through the Unity Bank mobile app.

Ready to Apply for Your Unity Bank Credit Card?

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