Unity Small Finance Bank (Unity Bank) has partnered with BharatPe to launch the country’s first EMI-focused credit card. You can easily convert to EMI if you purchase anything above ₹1,000.
Features & Benefits You Will Get
- Every purchase above ₹1,000 is converted into an EMI: Simply buy anything above ₹1,000, and it will be automatically split into EMIs. Small spends (₹1,000–₹9,999) go into 3 EMIs, while larger purchases (₹10,000+) stretch up to 12 months. No more logging in to manually convert.
- No annual or joining fee: This card is free for life. No hidden setup charges, no “first-year free” gimmicks.
- UPI-compatible: Since it runs on the RuPay network, you can link it to any UPI app—Pay with BharatPe, PhonePe, Google Pay, etc. Credit card payments via UPI? That’s the game-changer.
- Flat 2% rewards: Every EMI transaction earns Zillion Coins, which you can redeem inside the BharatPe app. No tricky caps, no confusing categories.
- Lifestyle extras: Free airport lounge visits and an annual preventive health check-up are bundled in.
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Why This Matters
Most credit cards are built around spending first and worrying later. This one is designed for planned repayment from the start. Instead of a giant credit bill at the end of the month, you’re automatically nudged into manageable EMIs.
Unity Bank calls it “pay-as-you-use credit.” BharatPe is pushing it as a transparent alternative to traditional cards that bury you under fine print. Together, they’re aiming at young professionals, freelancers, and small business owners who want flexibility but hate hidden charges.
Quick Facts You Should Know
- Interest rate: 2% per month (around 24% APR) on the EMI balance.
- Grace period: Up to 48 days interest-free if you clear dues on time.
- Fees: No annual fee, but there’s a small cost for forex (3.5%) and cash withdrawals.
- Rewards: 1% back on smaller EMI spends, 2% on bigger ones.
- Access: Apply straight from the BharatPe app with instant eKYC.
Quick Review: Unity Bank–BharatPe EMI Credit Card
| Feature | Details |
| Type | First EMI-driven credit card in India |
| Network | RuPay (UPI-enabled) |
| Fees | Lifetime free (no joining/annual charges) |
| EMI Conversion | Auto: ₹1k–₹9,999 → 3 EMIs; ₹10k+ → up to 12 EMIs |
| Interest | 2% per month (24% APR) on EMI balance |
| Rewards | 1% on small EMIs, 2% on larger EMIs (redeemable in BharatPe app) |
| Perks | Free airport lounge access + yearly health check-up |
| Best For | Users who want transparent EMI repayments + UPI payments |
| Watch Out For | Higher-than-average interest rate vs other credit cards |
Also Read: Best Credit Card for Women in India
Conclusion
If you’re tired of juggling credit card conversions, late fees, and hidden costs, the Unity–BharatPe EMI Credit Card is worth a look. It’s built for a digital India where UPI is the default and EMIs are the norm.