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Unity Bank BharatPe RuPay Credit Card

The Unity BharatPe RuPay Credit Card is a co-branded offering from Unity Bank and BharatPe, one of India’s leading fintech platforms. Its standout feature is the automatic EMI conversion of unpaid balances, allowing cardholders to spread repayments over time while still earning up to 2% cashback in the form of Zillion Coins. With zero joining and annual fees, it’s an excellent choice for those seeking a lifetime free credit card that blends affordability with everyday utility.

What is the Zillion App and Zillion Coins?

Zillion claims to be a loyalty program for multiple brands simultaneously. When you head to the Zillion app or the website, it allows you to make purchases in its very own currency, called Zillion Coins. When you spend with the Unity BharatPe Credit Card, and the balance is converted into EMI, you earn rewards back in the form of Zillion Coins.

Unity Bank BharatPe RuPay Credit Card

( 4.3 / 5 )
Unity BharatPe RuPay Credit Card
  • Joining FeeLIFETIME FREE
  • Annual FeeLIFETIME FREE
  • Best Suited ForShopping
  • Reward TypeReward Points

Rewards Rate

Up to 2% Cashback as Zillion Coins

Welcome Benefits

N/A

Movie & Dining

N/A

Rewards Rate

Up to 2% Cashback as Zillion Coins

Reward Redemption

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

Travel

N/A

Domestic Lounge Access

2 Free Visits per Quarter; 8 Visits Annually

International Lounge Access

2 Free Visits Annually

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    3.5%

    Interest Rates

    2% per Month; 24% Annually

    Fuel Surcharge Waiver

    1%

    Cash Advance Charges

    N/A

    • The card converts your unpaid balance to EMI automatically
    • The interest rate charged on EMI conversion is as low as 2% monthly and follows the reducing balance method.

    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

  • Automated-EMI Conversion

    Most credit cards require you to pay in full, unlike the Unity BharatPe RuPay Credit Card. The Unity BharatPe Credit Card automatically converts your unpaid monthly dues into EMIs, based on how much you owe. And you earn Zillion Coins on EMI transactions too.

    Balance Conversion to EMI (Until 13th August 2025) Updated Conversion to EMI w.e.f 14th August 2025
    ₹1 – ₹999 No EMIs; To be Paid in Full No EMIs; To be Paid in Full
    ₹1,000 – ₹9,999 3 EMIs Up to 12 EMIs; Users can Choose Preffered Tenure
    ₹10,000 and above Up to 12 EMIs, as Per Opted Tenure Preference

    Unlike other cards that charge steep interest for partial payments or the Minimum Amount Due, this card offers a low 2% monthly EMI interest, calculated on a reducing balance, which means your interest amount decreases as your balance decreases.

    Rewards Structure – Earning and Redeeming Zillion Coins

    This card does not have a flashy reward system; however, you can earn rewards based on how much you pay in monthly dues:

    Balance Due Rewards Earned Until 13th August 2025 Updated Rewards Earning from 14th August 2025
    ₹1 – ₹999 0% 2%
    ₹1,000 – ₹9,999 1%
    ₹10,000 and above 2%

    These Zillion coins can be redeemed in two ways:

    • On the Zillion Platform (for vouchers, merchandise, etc.)
    • Directly against your credit card bill

    Free Airport Lounge Access

    Though it’s a zero-fee card, it still offers complimentary lounge access, which is rare at this price point.

    • Domestic Lounge Access: 2 complimentary visits per quarter (8 annually).
    • International Lounge Access: 2 complimentary visits annually.

    Note: The RuPay lounge at IGI Airport T3 isn’t included in the complimentary airport lounge list, which might be a drawback for frequent travelers.

    Complimentary Health Checkup

    The primary cardholder is entitled to one free health checkup package annually, making it easy to maintain your health. Once that free checkup is used, you can continue to access discounted health checkup services.

    Eligibility Criteria

    Particulars For Salaried Indian Nationals For Self-Employed Indian Nationals
    Age Minimum 21 Years & Maximum 65 Years Minimum 21 Years & Maximum 65 Years
    Income Minimum ₹2.5 Lakh per Year Minimum ₹5 Lakh per Year

    Bottom Line

    The Unity BharatPe RuPay Credit Card is a straightforward and cost-effective option for users seeking a basic credit card without the annual fee burden. Its automatic EMI conversion feature makes it particularly useful for those who prefer flexible repayments, and the ability to earn up to 2% cashback as Zillion Coins adds value over time. While it lacks premium benefits like travel insurance or lifestyle offers, it delivers solid value for everyday use. Overall, this card is best suited for first-time credit card users and individuals with a budget-conscious approach.

    FAQs:

    Yes, the card offers 2 complimentary domestic lounge accesses per quarter (8 annually) and 2 international accesses annually.

    Zillion Coins can be redeemed on the Zillion platform for vouchers or merchandise, or directly used to pay your credit card bill.

    Any unpaid bill of ₹1,000 or more is automatically converted into EMIs. The interest charged is 2% per month on a reducing balance basis.

    No, the card comes with zero joining and renewal fees, making it a lifetime free card.

    1 comment

    • Akhilesh Yadav

      4 months ago Reply

      Worst card ever, I had taken 5000 transaction on this card and I had to pay 650+ gst as charge and in rewards I will receive 340 zillion coins that is around 85₹ actual value, this worst card , I would say it is scam

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