The issuer board
Every Utkarsh Small Finance Bank credit card.
5 cards on the desk, ranked #274 to #431 against every other card in India — not against each other. Fees run ₹0 to ₹4,999, and 2 of them are genuinely free for life.
how this board is ordered fold that back up
Ordered by our board, best first. The rank is the card's position among all Indian cards we price, so a gap between two rows is other issuers' cards sitting between them.
RBI, July 2026: 3,51,887 cards in force — 0.3% of every credit card in India · ₹117 cr spent on them that month, 9% of it online.
The one worth having
Utkarsh Eternal Credit Card
1.25% back in rupees, ₹1,999 a year, and absolutely nothing else in the box.
Narrow 5 Utkarsh Small Finance Bank cards
network, lounges, the fine print and what you can be approved for fold that back up
The first seven narrow the board — a card that isn't what you asked for is hidden, not greyed, because six hundred dimmed rows are a hazard rather than a filter. Income is different: it greys the cards you can't be approved for and prints the reason, since "you can't get this" is worth knowing. Spend categories come from each card's own MITC/T&C exclusions; a card that publishes no rule for a category stays, because silence isn't a claim. Abroad and late fee read the issuer's own MITC line: 3.5% is India's norm, so "under" means cheaper than standard, and a card whose document states neither is filed under "not published" rather than assumed cheap. Your picks live in the URL, so the link you copy is the board you're looking at.
The board
All 5 priced cards, best to worst.
rank · card · fee (what you pay to get it) · headline earn rate, per ₹100 of ordinary spend · verdict
- #274 Utkarsh Eternal Credit Card ₹0 joining + ₹1,999/yr 1.3% Downgrade
- #275 Utkarsh Rhodium Credit Card ₹0 joining + ₹4,999/yr 1.3% Keep
- #276 Utkarsh SmartGen Credit Card ₹0 joining + ₹199/yr 1.0% Keep
- #277 Utkarsh superCard ₹0 fee 1.0% Keep
- #431 Utkarsh Wish Credit Card ₹0 fee none Keep
No Utkarsh Small Finance Bank card matches all of that. Loosen one lever, or scan every issuer's board →
Our standing verdicts
4 keep · 1 downgrade · 0 cancel
What these cards pay in