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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
Unity Small Finance Bank
entry
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BharatPe RuPay
RuPayUnity Small Finance Bank • RuPay• Entry
Annual Fee
Free
Base Reward Rate
2.00%
Foreign Tx Fee
—
Tier
Entry
Joining Fee
Free
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
RuPay common lounge access program, 8 domestic per calendar year. RuPay lounge at IGI Airport T3 excluded.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹11,760
Blended 1.88% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Lifetime free card (no joining/annual fee). Unpaid balances over Rs.999 auto-convert to EMI (Rs.1,000-9,999 = 3 EMIs; Rs.10,000+ = up to 12 EMIs) with 2% interest; no foreclosure charges. Complimentary RuPay preventive health checkup. Co-branded with BharatPe; issued by Unity Small Finance Bank.
✓ No activation spend required — access is unconditional.
RuPay common lounge access program. Intro states 2 international per calendar year; later sections of the article state 8 international (inconsistent in source).