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
Base Reward Rate
2X
Point Value
₹1/pt
Min CIBIL
650
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
3X
Travel
2X
Shopping
3X
Online
4X
Grocery
2X
Fuel
1X
Utilities
1X
Other
2X
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
Ready to Apply?
Apply directly on the SBM Bank India website. Takes about 10 minutes.
