Afterwards, Karrar would scrub her hard in the bath and call her a "dirty bitch", she said.
On one occasion, she threatened Karrar with a lock knife after he raped her in a bathroom. Her punishment was being hit across the head with a baseball bat and assaulted with its metal handle, she told jurors.
"At the time, I thought he loved me and it was a mistake he made. I thought it was my own fault, that I threatened him with a knife," she added.
Nine men from Oxford deny 51 counts including rape, trafficking and organising prostitution between 2004 and last year, involving six under-age girls.
The accused include two sets of brothers, Akhtar Dogar, 32, and Anjum Dogar, 30, and Bassam Karrar, 32, and Mohammed Karrar, 38. The others are Kamar Jamil, 27, Zeeshan Ahmed, 27, Assad Hussain, 32, Bilal Ahmed, 26, and Mohammed Hussain, 24.