rupaybasiccredit

Unity BharatPe RuPay Credit Card

fintech

shopping

Annual Fee

FREE

Joining Fee

Nil

Base Reward

2% points

Foreign Markup

3.5%

Interest Rate

2% per Month; 24% Annually

Welcome Benefits

N/A

Product Highlights

Automatic EMI conversion of unpaid balances
Lifetime free credit card

Rewards

Earn up to 2% cashback in the form of Zillion Coins on unpaid balances converted to EMI.

Redemption

Zillion Coins can be Redeemed on Zillion app or for the Card’s Bill Payment

Benefits & Features

Domestic: 2 Free Visits per Quarter; 8 Visits Annually International: 2 Free Visits Annually Complimentary lounge access for domestic and international travel.

Fees & Charges

Annual FeeFREE

Joining FeeNil

Foreign Markup3.5%

Interest Rate2% per Month; 24% Annually

Eligibility

Min Age

21 years

Max Age

65 years

Min Income (Salaried)

₹2,50,000

Min Income (Self-Employed)

₹5,00,000

Available Networks

rupay

Pros & Cons

Pros

No joining or renewal fee
The auto-EMI feature makes repayment manageable
Up to 2% cashback in Zillion Coins
Complimentary domestic and international lounge access

Cons

No movie, dining, or travel-specific offers
3.5% foreign currency markup
EMI-based rewards mean you earn only when balances are not paid in full
No insurance cover included