BharatPe and Unity Small Finance Bank Partner to Introduce BharatPe Unity Bank Credit Card

The collaboration between BharatPe and Unity Small Finance Bank introduces the BharatPe Unity Bank Credit Card, which operates on the RuPay network.

This card enables users to make payments at various Indian merchants through UPI integration. It is designed with a zero-fee structure, excluding sign-up, annual, or processing charges. Customers can prepay their EMI (Equated Monthly Installments) without facing penalties.

Key Features of the BharatPe Unity Bank Credit Card

The card offers extended EMIs up to 12 months and rewards users with an unlimited flat 2% reward as Zillion Coins for every transaction converted into EMI, applicable across all merchant categories.

Zillion Coins can be redeemed via the BharatPe app for various rewards like brand vouchers or used to settle credit card bills. Cardholders also benefit from complimentary lounge access and health checkups.

BharatPe’s focus on simplicity, transparency, and inclusivity is reflected in the lifetime free card with no hidden fees. The ability to link a RuPay Credit Card with UPI enhances payment convenience.

The auto-EMI feature helps cardholders manage their cash flows effectively, avoiding revolving credit traps and high-interest rates typically found in traditional bank products. This initiative addresses consumers’ needs by integrating instant payments, flexible credit limits, pay-as-you-use options, and rewards into a single digital card.

This partnership aligns with the mission of BharatPe and Unity Small Finance Bank to develop solutions tailored for salaried and self-employed individuals based on customer and market insights. Additionally, Resilient Payments, part of the BharatPe group, has obtained an online payment aggregator license in India, planning to launch the BharatPe X platform.