BharatPe has joined forces with Unity Small Finance Bank to introduce the BharatPe Unity Bank Credit Card.
The card is available on the RuPay network and can be linked to UPI, allowing users to make payments across numerous merchants in India.
Go deeper with GlobalData
It features a “zero-fee structure”, with no joining charges, annual fees, or processing charges, and customers can prepay their EMIs at any time without facing penalties.
The card has EMI options that can be extended up to 12 months.
Additionally, the card provides an “unlimited” flat 2% reward in the form of Zillion Coins on every transaction that is converted to an EMI, applicable across all merchant categories.
Cardholders can redeem their Zillion Coins through the BharatPe app for a variety of rewards, such as brand vouchers and products, or even to pay off credit card bills.
US Tariffs are shifting - will you react or anticipate?
Don’t let policy changes catch you off guard. Stay proactive with real-time data and expert analysis.
By GlobalDataThe card also comes with additional lifestyle benefits, including complimentary lounge access and health check-ups.
BharatPe Consumer Business head Kohinoor Biswas stated: “Our focus has always been to make access to credit simple, transparent, and inclusive. With the Unity Bank BharatPe Credit Card, customers get a truly lifetime free card with no hidden charges. Moreover, linking of RuPay Credit Card with UPI opens a multitude of convenient payment options for cardholders.
“The auto-EMI feature further empowers customers to manage their cash flows responsibly, helping them avoid revolving credit traps and high interest rates, typical of traditional cards.
Unity Bank digital banking chief business officer Aditya Harkauli said: “The Unity Bank BharatPe Credit Card aims to address this consumer need, by combining instant payments, meaningful credit limits, flexible ‘pay-as-you-use’ options and generous rewards — all on a single, digitally delivered, lifetime free card.
“Shaped by consumer and market insights & reflective of our endeavour to create functionally useful differentiation, this first of its kind credit card offers both, salaried & self- employed individuals, practical and transparent payment & credit choices.”
Unity Small Finance Bank, a Scheduled Commercial Bank, is a joint venture between Centrum Financial Services and Resilient Innovations (BharatPe).
Resilient Payments, a BharatPe group company, secured an online payment aggregator licence from the Reserve Bank of India, with plans to launch the BharatPe X platform .
