The ROAR Bank Credit Card promises high cashback, zero fees, and a modern digital banking experience. Sounds perfect, right? But before you rush to apply, you should know the truth behind the flashy offers.
From confusing MCC categories, app glitches, and limited cashback caps, to real user complaints on Social media, there’s more than meets the eye. In this article, we break down everything you need to know about how the card works, what the real benefits are, and whether it’s truly worth your time. Let’s find out if ROAR is a smart money move or just marketing noise.
What Is the ROAR Bank Credit Card?
The ROAR Bank Credit Card is a lifetime‑free, digital‑first RuPay credit card issued by Unity Small Finance Bank and managed entirely through the RoarBank mobile app. Designed for seamless UPI and credit usage, it offers a hybrid payment experience without any branch visits.
- No Joining or Annual Fees – Truly free for life, with no hidden charges
- Credit Limit – Up to ₹1.5 lakhs, determined by your credit profile
- Virtual & Physical Cards – Get instant virtual credentials for online use and a physical card delivered to your address
- 62‑Day Interest‑Free Period – Enjoy up to 62 days of interest‑free credit on purchases
- Add‑on Cards – Issue free add‑on cards for family members, all managed under one account
- Full App Control – Activate, block/unblock, set limits, view statements, and redeem rewards—all within the RoarBank app
This card combines the flexibility of UPI payments with the benefits of credit, making it an attractive option for tech‑savvy Indians seeking a fee‑free, app‑based credit solution.
How Their Cashback Categories and Rates Work
Roarbank lets you choose two spending categories each month and rewards you with up to 20% cashback on purchases in those categories. Here’s what you need to know:
- Pick 2 Categories: In the Roarbank app, select any two from a list that includes groceries, dining, entertainment, travel, fuel, utilities, e‑commerce, and more.
- 20% Cashback: Earn 20% back on every transaction in your chosen categories, up to a combined ₹2,500 cap per month.
- Real‑Time Accrual: Cashback is credited to your linked savings account in real time, but can only be withdrawn once you hit a minimum balance of ₹250.
- Non‑Selected Categories: All other spends (outside your chosen two) earn 1% cashback with a ₹200 cap per month.
- No Hidden Fees: There’s no joining fee, no annual fee, and no surprise charges—just pick, spend, and save.
By letting you focus rewards where you spend most, Roarbank’s category‑based cashback empowers you to maximise savings every month without complicated rules.
The Catch: Caps, MCC Codes & Changing Offers
Even the best deals have strings attached. Here’s what to watch out for with RoarBank:
- 🏷️ Strict Monthly Caps
- ₹2,500 cap on 20% category cashback and ₹200 cap on 1% base cashback—once you hit these limits, you earn nothing extra.
- 🔄 Category Deadlines
- You must select your two categories by the first day of each month in the app. Miss the cutoff, and you’ll default to base 1% cashback.
- 🏷️ MCC Code Misclassifications
- Some merchants don’t fall neatly into a category. For example, GV purchases or bookings via certain travel portals may get coded wrong, giving you high-rate cashback.
- ⚙️ App Glitches & UPI Hiccups
- Users report occasional failed UPI transactions, reward delays, or app crashes during payment—leading to missed cashback.
- 🔄 Shifting Offers
- Promotional deals (like 40% on gift vouchers) can disappear or change without clear notice. Always check the latest T&Cs in the app.
- 🔏 Privacy & Permissions
- The app requests broad permissions (contacts, storage) that some users find intrusive—review permissions carefully to protect your data.
Understanding these things will help you plan your spending, avoid sudden surprises, and truly maximise your RoarBank benefits.
Real User Feedback from Social Media & Forums
Here’s what real RoarBank users are saying online:
- “Cashback not credited” – Some users report that their 20% or 1% cashback didn’t show up, even after waiting days.
- “App keeps crashing” – During high-traffic times, the app can freeze or log you out, causing payment failures.
- “Wrong category hits” – Purchases at some shops (like gaming or travel sites) got coded into the wrong category, so users missed out on 20% rewards.
- “Delayed card delivery” – A few customers waited more than two weeks for their physical card to arrive.
- “Permissions concern” – Some find the app asks for contacts and storage access without a clear reason, raising privacy questions.
These honest comments show that while RoarBank’s cashback rates are attractive, glitches and misclassifications can eat into your rewards. Always track your transactions and report any missing cashback right away.
Pro Tips for Maximising Your ROAR Bank Benefits
- 📅 Set Your Categories Early
Choose your two high‑spend categories at the start of each month so you don’t miss the 20% rate. - 🔍 Track Your Caps
Keep an eye on your monthly ₹2,500 and ₹200 limits. Once you’re close, switch to non‑bonus spending or pause big buys. - 🛒 Group Your Purchases
Combine small bills (like multiple utility payments) into one transaction so it clearly falls under your chosen category. - 📲 Update the App
Always use the latest version—bug fixes often improve stability and transaction success rates. - 📝 Save Your Receipts
If cashback doesn’t post, you’ll need proof when you raise a support ticket. - ☎️ Use Customer Support Early
Report missing cashback or app errors within 7 days—early complaints are resolved faster. - 💵 Withdraw Wisely
Only withdraw cashback after you’ve hit the ₹250 minimum, so you don’t leave small balances unclaimed. - 🔄 Watch for Special Deals
Occasionally, RoarBank runs higher cashback promos (like gift vouchers). Check the “Offers” tab weekly.
Final Verdict: Game‑Changer or Risky Bet?
The ROAR Bank Credit Card is a bold, fee‑free experiment that can deliver very high cashback—up to ₹2,500/month at 20%—for savvy, tech‑comfortable users. If you:
- Love digital-first banking,
- Spend heavily in the 2 main categories, and
- Don’t mind occasional app or UPI app change.
Then ROAR can be a game‑changer in your wallet.
However, if you value rock‑solid reliability, flat‑rate rewards, or minimal app permissions, you may find the caps, MCC misclassifications, and changing promos frustrating. For those users, a traditional cashback card with predictable rates might be a safer like SBI Cashback Card.
Ultimately, ROAR Bank is worth trying. Plan your spending, and stay on top of those cashback limits. Your wallet will thank you… Or at least know exactly what to expect!
You can also read
Top Credit Cards for Free Airport Lounge Access in India (2025 Guide)
Best Credit Cards for Movie Tickets (2025 Edition) for Movie Lovers
Is Axis Flipkart Credit Card Now the Best Credit Card for Myntra? Find Out How and Why!
💬 Share Your ROAR Experience: Tried the ROAR Bank Card? Let us know your wins (or losses) in the comments!
👍 Found This Helpful? Like and share to help your friends save big on cashback.
🔔 Stay Updated: Follow us for more honest credit card reviews and money‑saving tips.
📌 Save This Guide: Bookmark it so you never miss a tip on maximising your cashback.
🚀 Next Up: Check out our list of best no‑fee credit cards for everyday spends—coming soon!
Hi, I’m Karan Gera, a content writer at LetsMakeAsset.com. I write about credit cards, loans, and finance. I enjoy sharing clear and simple information so that everyone can learn more about these topics. Writing is something I truly love.
