Unity Bank BharatPe Credit Card

Unity Small Finance Bank cashback

Apply for the best credit card of Unity Bank BharatPe Credit Card

Joining Fee : Lifetime Free
Unity Bank BharatPe Credit Card

Welcome Benefits

  • Not Aplicable

Unity Bank BharatPe Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ Lifetime Free
Annual/Renewal Fee:₹ Lifetime Free
Finance Charges:24% APR (Annualised Percentage Rate) charged on reducing balance ( 2% Monthly Rate )
Spend Based Waiver:Lifetime Free
Over Limit Penalty:Not Applicable
Rent Payment chargesFee levied by Bank on Rent Transactions
Forex Charges:3.49% of the transaction value
Minimum Repayment Amount:5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI
Cheque Return Fees:2% of Total Amount Due or Minimum of 500 whichever is higher
Late Payment Charges::
Total Amount Due/Statement Balance Late Payment Charges
Less than ₹100 40
Above ₹101 - ₹250 90
Above ₹251 - ₹500 150
Above ₹501 - ₹1000 250
Above ₹1001 - ₹2500 500
Above ₹2501 - ₹5000 750
Above ₹5001 - ₹7500 900
Above ₹7501 - ₹10,000 1000
Above 10,000/- 1500

Eligibility criteria

Has to be an Indian Resident, Age 21 to 65 years at the time of maturity

Document Requirements

Aadhaar card, Passport, PAN card as your Identity proof
Any Utility bill, Passport, or Voter ID as your address proof
Documentation and details of land holdings, if any

Other Information

Card replacement Fees : No charges
Cash Advance Fees : ₹15 per Withdrawal Transaction
Cash Advance Withdrawal Limit : Upto 100% of the card limit

Frequently Asked Questions

1. What is the Unity Bank BharatPe Credit Card?

It is a co-branded credit card launched by Unity Small Finance Bank in partnership with BharatPe, designed for small business owners, merchants, and digitally savvy users.

What are the key benefits of this card?

Cashback on BharatPe merchant transactions, <br> Zero joining fee (for select users) Low-interest EMIs on business spends<br> App-based management & real-time tracking

How to apply for the Unity Bank BharatPe Credit Card online?

User can apply through: The BharatPe app (Merchant section) or Unity Bank official website or Unity Bank branches or digital onboarding via the mobile app

What are the main benefits of the Unity BharatPe Credit Card?

Cashback on BharatPe transactions<br>Low-interest EMIs on business spends<br> No joining fee (for eligible users)<br> App-based card management<br> Accepted at all POS and online merchants globally

Apply Now

✅ Apply on Bank Website

Quick approval • Digital process

Card other Details


Annual Fee
Lifetime Free
Joining Fee
Lifetime Free
Interest Rate
24% APR (Annualised Percentage Rate) charged on reducing balance ( 2% Monthly Rate )

Unity Bank BharatPe Credit Card Credit Limit: Up to ₹10 Lakh

Contact Bank


Call Center
1800-209-1122
Mailing Address
13th Floor, 1302/ B Wing, Rupa Renaissance, D-33 MIDC Rd, TTC Industrial Area, Turbhe, Navi-Mumbai, Maharashtra – 400705
Nodal Officer
Mahendra Bindra