BharatPe: UPI, Credit, Rewards

BharatPe (previously postpe) is your one-stop financial app designed to meet all your financial needs. From lightning-fast UPI payments to convenient bill payments without any fees, quick cash loans, attractive gift vouchers, and credit card bill payments, BharatPe has you covered.

BharatPe UPI - Another UPI but the only UPI Made for Bharat:
(Powered by Unity Small Finance Bank and Approved by NPCI)
a) Instant Transfers: Send money to anyone via contact, UPI ID, or bank account.
b) Scan & Pay: Conveniently scan and pay without any tap.
c) UPI Autopay: Automate your bills, recharges, EMIs, and subscriptions effortlessly.
d) Pinless Payments: Enjoy hassle-free UPI payments up to ₹500 with UPI Lite.
e) BharatPe Shield: Stay protected with FREE FRAUD PROTECTION on all your transactions. (T&C Apply)
f) Earn Rewards: Make every transaction rewarding with BharatPe UPI! Enjoy guaranteed Zillion Coins on every payment. (T&C Apply)

Unity Bank BharatPe Co-Branded Credit Card:
a) AutoEMI Conversion: Automatically split spends into easy monthly EMIs.
b) Lifetime Free: No joining fees, no annual renewal charges ever.
c) Uncapped Rewards: No limits, no thresholds, earn unlimited rewards on every spend.
d) Free Lounge Access: Enjoy 2 free visits per quarter.

BharatPe Bill Payments:
a) Recharges: Pay all your bills easily for Mobile, DTH, Fastag.
b) Utility Bills: Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
c) Credit Card Bills: Easily pay your credit card bills online.

BharatPe Instant Cash Loan:
a) High Amounts: Access instant cash loans up to ₹15 lakh.
b) Flexible Repayment: Choose repayment options that suit your convenience.
c) Document Free Loans: No collateral or guarantor required.
d) Trusted Partners: Loans disbursed via trusted NBFC partners like L&T Finance Limited, Aditya Birla Finance Limited, Poonawalla Fincorp and True Credits Private Limited.

Repayment Terms:
Bill is generated every month. Users have the option to convert bills to EMIs from 3 months up to 15 months. Users can also repay the bill in full at no interest cost by the due date. Loan repayment tenure ranges from a minimum of 3 months to a maximum of 15 months.

Annual Percentage Rate (APR):
Ranges from 18%-70%. APR is communicated on the app while converting a bill to EMIs or taking a loan. APR will be different for different tenures of EMIs.

Example of