Utkarsh Small Finance Bank credit cards: 2 you can apply for
The best one for most people is Utkarsh superCard.
₹7,600a year after fees, at ₹75,000 a month
It pays back the most of the 2 Utkarsh Small Finance Bank cards open to apply that we can value.
Points and where they go
Utkarsh Small Finance Bank's cards pay cash back, not points: 5 cards credit rupees to your statement.
Recent changes
We have no dated change to any Utkarsh Small Finance Bank card on record.
All 5 Utkarsh Small Finance Bank cards
Fees run ₹0 to ₹4,999, and 2 of them are genuinely free for life. Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 4 keep, 1 downgrade, 0 cancel.
Open to apply 2
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Utkarsh Wish Credit Card
₹2,400 a year, after fees
₹0 fee · Reward rate 0%–3%
Ranked higher: its bonus category adds ₹1,800 a year
Invite only 3
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Utkarsh Rhodium Credit Card
₹9,500 a year, after fees
₹0 joining + ₹4,999/yr · Lounges in India · 3% forex markup · Reward rate 1.3%
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Utkarsh SmartGen Credit Card
₹7,600 a year, after fees
₹0 joining + ₹199/yr · 3% forex markup · Reward rate 1%
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Utkarsh Eternal Credit Card
₹9,500 a year, after fees
₹0 joining + ₹1,999/yr · 3% forex markup · Reward rate 1.3%
Filter Utkarsh Small Finance Bank cards by fee, lounges or forex
Standard charges
The charges Utkarsh Small Finance Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.
| Charge | What the bank says | Our read | Cards |
|---|---|---|---|
| Late payment fee | ₹500 flat, in addition to the interest payable on the outstanding balance | 3 of 4 | |
| Cash withdrawal fee | 5% or ₹500, whichever is higher; cash limit 20% of the credit limit | 3 of 4 | |
| Add-on card fee | No annual fee and no joining fee on supplementary cards | 4 of 4 | |
| Over-limit fee | ₹500 or 2.5% of the overlimit amount, whichever is higher (minimum ₹500) | 3 of 3 | |
| Reward redemption fee | Nil — cashback is adjusted against the balance on the next statement, with no redemption request and no minimum | Free | 3 of 4 |
Cards counts the Utkarsh Small Finance Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.
Utkarsh Small Finance Bank in RBI's figures
- Cards in force
- 3,70,405
- 0.3% of India's cards
- Spent in August 2026
- ₹123 crore
- 8% of it online
- Spend per card
- ₹3,312
- a month, on average
Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures
Sources
The Utkarsh Small Finance Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.
- Official Key Fact Statement — Utkarsh Eternal: Mastercard, first year free and ₹1,999 from the second, waived at ₹1.5 lakh, 3% foreign-currency surcharge, and the ineligible list read
- Official Key Fact Statement — Utkarsh Rhodium: Mastercard, first year free and ₹4,999 from the second, waived at ₹5 lakh, 3% foreign-currency surcharge, and 2%-a-month interest read
- Official Key Fact Statement — Utkarsh SmartGen: RuPay, first year free and ₹199 from the second waived at ₹50,000, no joining fee, 3% foreign-currency surcharge, 43.2% interest read
- Official Key Fact Statement — Utkarsh superCard, version 21 May 2026: joining and annual fee Nil, 3.5% forex markup, and the June-2026 interest increase read
- Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read