Unity Small Finance Bank and BharatPe have teamed up to launch India’s first EMI-based credit card, aiming to redefine how consumers manage their purchases. Unlike traditional credit cards, this one is designed with EMI flexibility at the core, making it easier for customers to split spends into manageable installments. The Unity Bank BharatPe Credit Card officially launched on August 28, 2025
Key Features
- EMI by Default: Most purchases can be directly converted into EMIs, reducing repayment stress.
- BharatPe Integration: Works seamlessly within the BharatPe app ecosystem.
- Wide Acceptance: Backed by major card networks (likely Visa or RuPay), ensuring global merchant acceptance.
- Customer-Centric: Tailored for India’s growing base of new-to-credit and budget-conscious users.
What Makes It Special
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Lifetime Free: No joining fees, annual charges, processing fees, or foreclosure penalties.
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Auto EMI Conversion:
- ₹1–999: Pay in full
- ₹1,000–9,999: Converts into 3 EMIs
- ₹10,000+: Spread up to 12 EMIs (flexible tenure)
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Rewards on EMIs: Earn 2% cashback as Zillion Coins redeemable for vouchers or to pay bills.
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UPI Ready: Link the card to UPI apps like BharatPe, PhonePe, GPay & more.
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Premium Perks: Includes lounge access (domestic & international) and a free annual health check-up.