FAQ

About Unity Bank BharatPe Credit Card

1What is Unity Bank BharatPe Credit Card?
The "Unity Bank BharatPe Credit Card" is a co-branded credit card which automatically converts aggregate monthly purchases/spends made through the Card into easy EMIs as per the tenure opted by the Cardholder. It also allows Cardholders to earn exciting reward points and other benefits on their aggregate monthly spends and timely EMI payments.
2How to Apply for the Unity Bank BharatPe Credit Card?
  • Download the BharatPe App: Get it here.
  • Onboarding: Enter your phone number and PAN to start.
  • Complete KYC: Finish your eKYC and VKYC.
  • Eligibility Check: Your credit limit will be assigned based on the test results.
  • Activate Your Card:
    • Set your billing date.
    • Create your card PIN.
  • Start Using: Your Unity Bank BharatPe Credit Card will be ready for transactions once activated.
3What is the eligibility to apply for Unity Bank BharatPe Credit Card?
If you are between 21 to 65 years of age, you can apply for the Unity Bank BharatPe Credit Card.
4What documents are required to get the Unity Bank BharatPe Credit Card?

You are not required to submit any physical documents. You may still need the following information:

  1. PAN Card details
  2. Aadhaar number for KYC confirmation
5How do I use the Unity Bank BharatPe Credit Card?
You can use Unity Bank BharatPe Credit Card for any online or offline purchases.
6How do I track my physical card delivery?
You can track your physical card on BharatPe app by clicking on track card section on the app home screen.
7When will I receive my Unity Bank BharatPe Credit Card?
The Unity Bank BharatPe Credit Card gets delivered within 7-10 working days post successful application submission.
8How can I activate my Credit Card?

To activate your credit card, follow these simple steps:

  1. Go to the home screen and select 'Activate Card'.
  2. Choose your preferred bill date.
  3. Authenticate your request by entering the OTP sent to you.
  4. Set your Card PIN.
  5. Authenticate again by entering the OTP.

Once completed, your card will be successfully activated!

9How do I generate/change PIN for my Credit Card?
To generate your Credit Card PIN from your BharatPe app, click on 'Activate button' on the app home screen. The PIN can be reset at anytime from BharatPe app.
10Can I change my EMI tenure later?
You can change your EMI tenure minimum 24 hours before the statement generation date. Any changes made in EMI tenure in less than 24 hours of bill generation date will get effective from the next month’s billing period.
11How do I view my Unity Bank BharatPe Credit Card EMI details?
To view EMI details on your card, click the EMI button on Unity Bank BharatPe Credit Card home screen.
12What are the fees and charges for Unity Bank BharatPe Credit Card?
Unity Bank BharatPe Credit Card comes with Zero Joining and Annual Fees. Please visit MITC to view other charges for Unity Bank BharatPe Credit Card.
13What is the Interest-Free Period on my Credit Card?
The Interest-free Period on your Credit Card ranges from 15-46 days. The Interest-free period varies depending on the date of purchase. For instance, if you have credit card statement for the period ranging from 20th May to 20th June and the payment due date is 5th July then for a purchase made on 21st May the Interest-free period will begin from 21st May till the due date. On the other hand, for a purchase made on 19th June, the interest-free period will be only 17 days.

Rewards related

1Where can I use the rewards earned on my Unity Bank BharatPe Credit Card?

You can redeem your Zillion coins on the BharatPe app for

  1. Brand Vouchers
  2. Products
  3. Unity Bank BharatPe Credit Card bill payment (upto INR 5000)
2When will I receive rewards on my Card?
A portion of reward points will be realized/unlocked after each EMI payment.
3How much reward will I earn on my Unity Bank BharatPe Credit Card spends?

Rewards will be accrued in the form of Zillion points. Flat 2% Reward accrual will happen as soon as the bill is generated for a customer and EMI is created.

Realization would take place by splitting the total reward equally into the number of EMIs of the specific bill.

For instance, If you spent Rs.9,000 in a billing cycle then 2% reward (Rs .180 equivalent to 720 Zillion coins) will be accrued. Realization of rewards will take place on the repayment of the bill EMI wise on or before the payment due date.

If 6 EMIs are selected, then after timely payment of 1st EMI, 120 Zillion coins will be realized. Similarly, after timely payment of 2nd EMI, 120 Zillion coins will be realized.

4What is the expiry of the reward points?
Zillion coins earned on Unity Bank BharatPe Credit Card are valid for 3 years. Unredeemed coins will expiry after this period.
5Can the reward points be revoked?
Customer may go delinquent on monthly EMIs. In such cases the earned reward points may be revoked.
6How can I see my reward point summary?
You can see reward summary on BharatPe app by clicking on Rewards tab on the Unity Bank BharatPe Credit Card home screen.

Transaction usage & limit

1How can I switch on/off and set/modify limits for different category of transactions (for domestic and international usage) on the BharatPe app?
Follow the mentioned process - To activate or modify transaction limits for domestic and international usage, follow these steps: Click on 'View Card' → 'Card Usage'.
2How can I raise dispute/complaint for my Unity Bank BharatPe Credit Card?
You can reach out to Unity Bank support team at 18002091122 or write at care@unitybank.co.in to raise a dispute for a transaction.
3Whom should I contact for other queries?
You can contact Unity Bank support team at 18002091122 or write at care@unitybank.co.in to raise a dispute for a transaction
4How can report lost or stolen of card?
If your card is stolen, please block your card immediately via your BharatPe app. To block your card follow this path: cards home page >> card block >> more options >> permanently block. Or you can call at 18002091122 to block your card in case of lost/stolen. Please avoid sending an email to ensure immediate action/blocking of the card.

Support

1How can I request for a new card?
Card replacement option will be available on the cards home page, after you have permanently blocked the card or you can call at 18002091122 to order card replacement.
2Will there be a fee to replace a credit card?
Please refer to Schedule of Charges
3How will I get my card statement ?
You will get your card statement via email/SMS/WhatsApp on your registered mobile number. You can also view your card statement on your BharatPe app. To view your statement on BharatPe app go to my bills section on Unity Bank BharatPe Credit Card app homescreen
4How can I contact the Grievance Redressal Official?

To contact the Grievance Redressal Official, call or mail on the contact details provided below:

  • Level 1- Centralised Customer Care Representative - Ms. Mariammal Gunasekar mail to: m.gunasekar@unitybank.co.in or Call on: 9167225962 between 09:30 AM to 06:00 PM, Monday to Friday.
  • Level 2- Ms. Rajinder Kaur Email to: level2escalation@unitybank.co.in Call on: 9152366105 (mobile) between 9:30 AM to 6:00 PM, Monday to Friday.
  • Level 3- Mr. Mahendra Bindra Email to: level3escalation@unitybank.co.in Call on: 9152366104 (mobile) between 9:30 AM to 6:00 PM, Monday to Friday.
  • Address: Unity Small Finance Bank Limited, Unit no. 2, First floor, Central Plaza, 166, CST road, Kalina, Mumbai -400098. Reply to the complaint will be given within 7 working days.

Payment

1How can I make payment on my Unity Bank BharatPe Credit Card?

You can make payment of the outstanding dues through any of these payment modes at the BharatPe mobile app:

a) Debit Card
b) Net Banking
c) UPI payments

2What happens if I don't pay on time?

Non-payment of the outstanding dues of “Unity Bank BharatPe Credit Card” by the Payment Due Date will have following consequences-

  1. The Bank shall report the Cardholder as delinquent to Credit Information Companies (CICs);
  2. The Bank shall levy late payment charges, Overdue Interest and/or other charges as per the Point 1 d. & 1 e. on the outstanding dues. In such cases, the late payment charges, Overdue Interest and/or other charges shall be levied from the Payment Due Date;
  3. It may lead to temporary or permanent blockage or suspension of functionalities and features/services available on the Unity Bank BharatPe Credit Card as per the Bank's sole discretion.

Contact support

Helpline no.

Domestic: 18002091122

International: 02268707700

Email - care@unitybank.co.in