RoarBank RuPay
SBM Bank India · Rupay
RoarBank RuPay credit card is a lifetime-free neo-bank card issued on the SBM Bank India platform, enabling UPI-based credit payments on all UPI apps.
Annual Fee
Free
Joining Fee
Free
Base Reward Rate
2X
₹1/pt
Min CIBIL
650
₹3L+ income
Key Features
Welcome Benefits
Lifetime Free Card
Zero fees forever — no annual fee, no joining fee
Welcome Reward Points
Earn bonus points on first transaction within 30 days of activation
Reward Rates by Category
Dining
3X
Travel
2X
Online
4X
Shopping
3X
Grocery
2X
Fuel
1X
Utilities
1X
Other
2X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| All UPI Merchants | UPI Payments | 2X |
| Online Shopping | Online | 2X |
Airport Lounge Access
Domestic
0 visits/year
International
0 visits/year
Insurance & Protection
Zero Liability
Report fraud immediately for full protection
Pros
- Lifetime free — zero annual fee
- UPI credit via RuPay
- Neo-bank digital experience
- Quick app-based approval
- Works with PhonePe & Google Pay
Cons
- Limited brand recognition
- No lounge access
- Basic benefits only
Frequently Asked Questions
What is RoarBank?+
How do I earn rewards?+
Annual fee?+
Can I use for offline purchases?+
Good for beginners?+
Ready to apply?
Apply on the SBM Bank India website. Usually takes 10 minutes.
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RoarBank RuPay
Free · 2X rewards
We may earn a commission if you apply via our link — no extra cost to you.
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