Utkarsh Small Finance Bank, a recent entrant in the banking sector, is known for its competitive rates on deposits and now offers credit cards to customers across India. Whether you’re looking for secured or unsecured options, here’s a rundown of Utkarsh Bank’s credit card offerings and their perks:
1️. Eternal Credit Card
- Annual Fee: Free for the first year, ₹1,999 from the second year.
- Eligibility: Available for customers with an Utkarsh Bank savings account, current account, FD, or loan.
- Benefits:
- Interest-Free Period: Up to 50 days.
- Cashback: 1.25% on eligible spends.
- Fuel Surcharge Waiver: 1% on fuel transactions.
2️. Rhodium Credit Card
- Annual Fee: Zero joining fee; ₹4,999 from the second year.
- Benefits:
- Cashback: Up to 1.25% on eligible spends.
- Lounge Access: 4 complimentary visits each quarter.
- Low Forex Charges: 3% on international transactions.
3️. SmartGen Credit Card
- Annual Fee: ₹199, waived on annual spends of ₹50,000+.
- Eligibility: Anyone 18+ with an Utkarsh savings or current account or FD can apply.
- Benefits:
- Cashback: Up to 1% on eligible spends.
- Low Cost: Minimal fees make it affordable for everyday spending.
4️. SuperCard Co-Branded Credit Card (Coming Soon!)
- Partnership: Flipkart’s super.money and Utkarsh Bank.
- Credit Limit: From ₹90 to ₹90 lakh, making it accessible for a wide range of users.
- Cashback:
- 5% at Myntra
- 3% at Cleartrip
- 2% on Flipkart
- 0.5% on all other non-UPI spends.
Why Choose Utkarsh Bank Credit Cards?
Whether you want premium perks, cashback on spends, or affordable annual fees, Utkarsh Bank has options for everyone. From rewards on everyday purchases to complimentary lounge access, choose a card that fits your lifestyle and maximize your savings!