Lifetime free
RoarBank RuPay Credit Card
A lifetime-free RuPay card where you pick two categories each month for boosted cashback, up to ₹2,500 a month. Other spends earn nothing.
Joining feeFree
Annual feeLifetime free
Fee waiverNot needed
Top rewardBoosted cashback on 2 categories you pick
LoungeNone
Forex markup3.5%
Best for: App-savvy users who will pick categories every month and use UPI.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Two categories you pick each month (such as groceries, dining, movies) | Up to 20% cashback (rates change monthly) | ₹2,500 a month in total |
| Everything else | Nothing | – |
| Wallet loads, gift cards, card top-ups | Nothing | – |
- If you do not pick categories, you earn nothing.
- Minimum cashback withdrawal is ₹250.
Benefits
Welcome benefit
- No welcome benefit.
Milestones
- None.
Travel and lounges
- No lounge access.
Fuel and forex
- Forex markup 3.5%.
- 1% fee on fuel, wallet and utility spends above ₹5,000 a month each.
Other perks
- Up to 62 interest-free days
- Works on any UPI app
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Lifetime free |
| Interest | 3.3% a month |
| Other fees | 1% on rent; 1% on fuel, wallet and utilities above ₹5,000 a month |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 21 to 60
- Salaried, self-employed or student
- No credit history needed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No fees
- High cashback in chosen categories
- Long interest-free period
Watch out for
- Nothing outside chosen categories
- Rates change monthly
- Fees on fuel and bills
Recent changes
- 26 Jun 20261% fee on fuel, wallet and utility spends above ₹5,000 a month.
Frequently asked questions
How does RoarBank cashback work?
Each month you choose two categories in the app. Spends in those earn boosted cashback, up to ₹2,500 a month in total.
Ready to apply for the RoarBank RuPay Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.