In today’s digital era, people look for convenience, transparency, and genuine rewards from their financial tools. Roarbank — an initiative by Unity Small Finance Bank Limited — brings a refreshing shift by offering a single, powerful card that combines the benefits of a savings account, a credit card, and UPI payments.
With no joining fee, no annual charges, and a reward system built around real cashback and exclusive offers, Roarbank aims to deliver a smarter banking experience for modern users.
What Makes Roarbank Unique?
1. One Card That Does Everything
Roarbank provides an integrated card that functions as:
- A savings account
- A credit card
- A UPI-enabled card
This means you don’t have to switch between multiple cards or banks. Everything is streamlined into one simple, app-controlled financial system.
2. Credit Limit + Interest-Free Period
Users receive a credit limit even without prior credit history. With an interest-free period of up to 62 days, it offers flexibility for managing monthly budgets and cash flow.
3. Real Cashback on Everyday Spending
Unlike complex point-based systems, Roarbank offers instant cashback. It is real money that can be redeemed or withdrawn.
Every month, users can select two categories such as:
- Groceries
- Food delivery
- Shopping
- Travel
- Movies
- Dining
By choosing the right categories, users can maximize savings on their regular expenses.
To explore how you can get cashback, visit → get cashback.
Save Even More With Exclusive Coupons
Beyond cashback, Roarbank offers special coupon deals that provide additional savings on purchases across top brands.
These coupons may include:
- Flat discounts
- Percentage-based savings
- Festival offers
- First-time user deals
You simply choose a coupon in the app, copy the code, and apply it during checkout.
To explore all available coupons, visit → coupons.
This combination of cashback + coupons allows users to enjoy higher savings than what traditional cards usually offer.
Why Roarbank Is a Great Fit for Many Users
✔ Ideal for Online Shoppers
Frequent buyers on e-commerce platforms can save significantly by selecting the right cashback categories and using coupons.
✔ Perfect for Simplifying Finances
Instead of handling a debit card, credit card, and a UPI app separately, Roarbank gives you one card that does it all.
✔ Supports First-Time Credit Users
Even without a credit score, users can start with an initial credit limit and gradually increase it through responsible usage.
✔ Real Savings, Not Just Reward Points
Cashback is direct money — instantly credited and easy to redeem.
✔ Budget-Friendly
With cashback on essentials like groceries or dining, users can reduce everyday expenses and track savings easily.
Things to Remember
While Roarbank offers strong benefits, it’s important to keep the following in mind:
- Cashback works only for the two categories you choose monthly
- Cashback has a monthly cap
- Coupons are time-sensitive and change periodically
- Timely repayment ensures healthy credit management
How to Start Using Roarbank
Getting started is simple:
- Download the Roarbank app
- Complete onboarding and video KYC
- Receive your lifetime-free Roarbank card
- Set up UPI and credit features
- Choose your two cashback categories
- Start earning cashback and using coupons
The entire process is digital, quick, and secure.
FAQ – Frequently Asked Questions
1. What is Roarbank?
Roarbank is a digital financial solution that combines the power of a savings account, credit card, and UPI-enabled card — offered by Unity Small Finance Bank Limited.
2. How does cashback work?
Users select two spending categories every month. Purchases made using the Roarbank card in those categories earn instant cashback, which can later be withdrawn or used to pay credit bills.
3. Is there a limit on monthly cashback?
Yes, there is a monthly cap to ensure fairness and balanced rewards for all users.
4. Can the cashback be withdrawn?
Yes. After reaching the minimum eligible amount, cashback can be withdrawn or applied to bill payments.
5. What type of coupons are available?
Roarbank offers special deals across food, travel, e-commerce, lifestyle, entertainment, and more.
6. Are there any joining or annual fees?
No. The Roarbank card is lifetime free with no joining or annual charges.
7. Do I need a credit score to apply?
No. Even users without any credit history can apply and receive a starter credit limit.
Final Thoughts
Roarbank — an initiative by Unity Small Finance Bank Limited — is built for people who want banking that’s simple, rewarding, and designed for the digital age. With instant cashback, valuable coupons, and a powerful all-in-one card, it offers a modern way to manage your money and save more every day.
