December arrives with its own orchestra of celebrations. One moment the month looks quiet, and the next it turns into a carousel of weddings, travel, gifting, home upgrades, and last-minute plans that happily throw routines off balance but often strain budgets. Early spending insights at BharatPe show that nearly one in two urban consumers sees a spike in unplanned festive expenses between mid-December and New Year, especially around big-ticket purchases, and sudden social commitments. And while the season is full of joy, this financial squeeze regularly prompts people to delay or skip experiences they actually want to enjoy.
The Unity Bank BharatPe Credit Card has been designed around exactly this reality. It lets consumers celebrate wholeheartedly without worrying about an end-of-month stumble. From spontaneous gifting to sudden travel to planned (or delightfully unplanned) purchases, the card smooths out spends across the season with flexibility, rewards, and user-friendly repayment options.
The card offers up to a 50-day interest-free period, which means consumers can stretch their festive expenses without dipping into savings. For high-value purchases that often crop up at weddings or year-end sales, the instant EMI conversion option helps customers split payments into manageable installments. It also rewards everyday spends, making festive shopping feel a little more celebratory. Users also get access to exclusive partner offers, which include seasonal deals on electronics, fashion, travel, and gifting.
BharatPe’s data over the past few months shows that electronics, jewellery, travel and gourmet dining are the top categories where year-end spends tend to spike. Many consumers also cite that unexpected social events or gifting obligations add sizable pressure to their December budgets. The Unity Bank BharatPe Credit Card aims to make these moments easier by giving people a comfortable way to participate in the season without compromise.
With its growing suite of consumer and merchant products, BharatPe continues to simplify how India spends, saves, and manages money through the most joyful time of the year.
How to Apply for Unity Bank BharatPe Credit Card
- Apply Within the BharatPe App: Open the app, locate the Credit Card section, and complete digital onboarding. Quick approvals and paperless documentation make this ideal for time sensitive festive needs.
- Link Card to UPI: Add the Unity Bank BharatPe Credit Card to any UPI app of choice to enable credit spending via UPI at supported merchant QR codes.
- Convert Big Expenses to EMIs: When you spend above ₹1,000, eligible transactions get auto‑converted into flexible EMIs — spreading cost and avoiding lump sum outflows.
- Redeem Rewards: Use Zillion Coins for bill payments or gifts via the BharatPe platform, stretching festive value even further.