Roar Bank Credit Card

Below are the key features of the Roar Bank Rupay Credit Card:

Here are the key features & benefits of the Roarbank Credit Card.

• Get an instant credit limit of up to ₹1.5 Lakhs.
• Enjoy up to 62 days interest-free spending, including a 3-day grace period, depending on your billing date and payment timing.
• Get up to 20% cashback on selected categories every month.
• Categories for cashback change monthly, so there is always something new.
• It is a RuPay credit card with UPI, which can be linked to any third-party UPI app to make payments using your credit card. Also, you can scan QR codes, shop online, or pay in-store with UPI.
• The card offers the benefit of a Savings Account, a credit card, and UPI payment - all in a single card.

• It is a lifetime free credit card with no joining or annual fees.
• Zero hidden charges are involved.
• Get a sleek black card, designed to stand out without saying a word.
• Get a virtual card that is ready to use instantly in the app.
• The Roarbank credit card can be used both in India as well as abroad, anywhere.
• Get up to 7% interest p.a. on Savings Account.
• Split your payments into affordable EMIs from 2 to 12 months at just 1% interest per month.
• Transfers from other bank accounts, manage your Card PIN, block/unblock your card, manage transaction limits, view all transactions and statements with a single app.
• Use your cashback to repay your outstanding debt instantly.
• With Private Mode, no tracking and no peeking at your data.
• Instantly transfer money by shaking your mobile phone.

The following are the charges associated with the Roarbank credit card:

• Joining fee: Nil.
• Annual fee: Nil.
• UPI transaction charges: Generally free, but transactions over ₹2,000 might incur a small percentage fee (around 1.1%) according to the RuPay network rules.
• EMI conversion charges: 1% per month for converting spends into EMIs.

To be eligible for a Roarbank credit card, you must meet the eligibility criteria mentioned below:

• Must be an Indian resident.
• Must be at least 18 years old. 
• Must have a consistent source of income, though the app may offer a starter card for people with low income or no credit history.

The documents and details required to apply for the Roarbank credit card are as follows:

• Provide your Aadhaar Number and verify the same through OTP.
• Submit your PAN Number, demographic and income data.
• Keep your physical PAN Card ready for completing the Video KYC.

Applying for a Roarbank credit card is fully digital with the app. Just follow the steps given below:

• Download and install the Roarbank app from the Play Store or App Store on your phone.
• Create your account using your mobile number. 
• Sign up and verify your identity. 
• Enter your details, such as your PAN number and income information.
• Get your credit limit (maximum up to ₹1.5 Lakhs) based on your profile. 
• Once approved, complete your KYC in the app and order your lifetime free credit card. 
• The card will be delivered to your doorstep.
• Activate your card and start spending. 
• While you are awaiting your plastic card, you can start spending with your virtual card. 
• Once you receive your physical card, just activate it in your app.