Unity Bank BharatPe Credit Card: India’s leading financial services and UPI payments company, BharatPe, in partnership with Unity Small Finance Bank (Unity Bank) has launched the Unity Bank BharatPe Credit Card. Launched on Thursday, August 28, it is being described as country’s first EMI Based credit card on the RuPay network.
Offered on the National Payments Corporation of India (NPCI) RuPay network, the card can be seamlessly linked to UPI, enabling secure and convenient payments. The card allows to make everyday payments including groceries, bill payments, travel, utilities, insurance premiums, and lifestyle spends, both online & offline, smarter and more rewarding.
The Unity Bank BharatPe Credit Card comes with a zero-fee structure. There are no joining charges, annual fees, processing charges, or foreclosure penalties. Moreover, customers can enjoy the flexibility to prepay their EMIs anytime without penalties. It also offers flexible EMI options of up to 12 months, helping customers manage big-ticket purchases with ease.
The card offers unlimited flat 2% reward (Zillion Coins) on every transaction upon EMI conversion, across all merchant categories and platforms, without restrictions. Users can redeem Zillion Coins through the BharatPe app for brand vouchers, products, or even credit card bill payments. The card also provides additional lifestyle benefits, including complimentary domestic and international lounge access, as well as preventive health check-ups.
6 Key Benefits At Glance
Up to 12 months Flexible EMI tenures.
Limitless rewards, Flat 2% uncapped benefits.
Zero hidden charges, complete transparency.
Lifetime free card, no joining or annual fee.
0 foreclosure fee, stress free pre-payment.
Link RuPay credit card to pay via UPI.
Speaking on the launch of the credit card, Kohinoor Biswas, Head, Consumer Business at BharatPe, said, “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.”
He added, “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. This launch reinforces our commitment to deliver accessible, innovative, and value-driven financial solutions for Indian consumers.”
