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Festive Season EMI Cashback Offer: Terms and Conditions
This Offer is available only to select Roar credit card holders who have received an invitation to it from the Bank.

Offer and eligibility

  1. The Roar Diwali EMI Offer (“Offer”) is provided by Unity small finance bank (“Bank”) to holders of the Roar credit card issued by the Bank (“Card”).
  2. The Offer is available only to select Cardholders who have received an invitation to the Offer from the Bank through a push notification or an in-app message in the Roar app during the Offer Period (“Eligible Customers”). Cardholders who have not received such an invitation are not eligible for the Offer, even if their transactions meet the other conditions in these terms.
  3. The Offer is personal to the Eligible Customer and cannot be transferred, exchanged or redeemed for cash.
  4. The Offer Period is from 00:00 hours IST on 2 November 2026 to 23:59 hours IST on 11 November 2026 (“Offer Period”).

Qualifying EMI

  1. To qualify, an Eligible Customer must make a single purchase of ₹2,000 (two thousand rupees) or more with the Card and convert that purchase into an EMI through the Roar app (“Qualifying EMI”).
  2. Both the purchase and its conversion into an EMI must take place within the Offer Period. A purchase made before 2 November 2026, or converted into an EMI after 23:59 hours IST on 11 November 2026, does not qualify.
  3. Purchases in all merchant categories qualify, subject to Roar’s general EMI eligibility criteria.
  4. The EMI may be taken for any tenure offered in the Roar app at the time of conversion, up to 24 months.
  5. Every EMI conversion remains subject to the Bank’s usual EMI eligibility rules, including the available credit limit on the Card. An EMI conversion that the Bank does not approve under those rules is not a Qualifying EMI.

Cashback

  1. For each Qualifying EMI, the Bank will credit as cashback an amount equal to the interest charged on the first 3 (three) EMI instalments.
  2. The cashback is credited separately for each of the first 3 instalments, not as one payment. The cashback for each instalment will be credited to the Card account post the date that instalment is billed, and will appear as a credit on the Card statement.
  3. There is no maximum limit on the cashback per Qualifying EMI or per Eligible Customer. Each Qualifying EMI converted during the Offer Period receives the cashback set out in these terms.
  4. Cashback will be credited only if the Card is active and not blocked or closed on the date the cashback is due.

Interest and charges

  1. The Offer is not a zero-interest EMI. Interest is charged on every EMI instalment at the rate applicable to the EMI plan, currently 1% per month. Under the Offer, the interest on the first 3 instalments is returned to the customer as cashback.
  2. From the 4th instalment onwards, the EMI carries the interest rate applicable to the plan, and no cashback is paid.
  3. Processing fees, foreclosure charges and GST on fees and interest are not refunded under the Offer.

Early closure

  1. If the customer closes a Qualifying EMI early, the cashback already credited remains with the customer. No cashback is paid for instalments that were not billed before the EMI was closed. Any foreclosure charges set out in the Card’s Most Important Terms and Conditions apply.

General terms

  1. The Offer is in addition to the regular features of the Card. It does not change the Card’s Most Important Terms and Conditions or the Bank’s EMI terms, which continue to apply.
  2. The Bank may modify or withdraw the Offer by giving notice on this page. Qualifying EMIs converted before the modification or withdrawal will receive the cashback set out in these terms.
  3. For questions or complaints about the Offer, customers can contact Roar support through the Roar app.
  4. These terms are published in English and Hindi, and both versions have the same content.
  5. These terms are governed by the laws of India.
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