Skip to content
Compare Cards

Utkarsh Small Finance Bank

Utkarsh Eternal Credit Card

Best for FD-backed premium rewards and benefits

₹999/yr annual fee · 3x rewards

Visa

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

Annual fee

₹999/yr

Reward rate

3x

Min. income

₹2,00,000

Forex markup

Not published

Lounge access

None

Eligibility

₹2 lakh/yr · CIBIL 650+

Reward cap

₹1,000/month

Welcome benefit

None beyond the reward rate

Who is this for

  • New-to-credit
  • Travel enthusiast

What we like

  • FD-backed, low risk
  • 5x on travel
  • 3x universal rewards

Watch out for

  • Rs 999 annual fee

Issuer

Bank

Utkarsh Small Finance Bank

Small finance bank

All Utkarsh Small Finance Bank cards →

Headquarters

Varanasi, Uttar Pradesh

Established 2017

Toll-free

1800-123-4567

Website

www.utkarsh.bank.in

Network

Visa

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Annual fee ₹999 Waived on Rs 1 lakh annual spend

Rewards

Spend category Rate Cap Redemption
All spends 3.00 — 0.25
TRAVEL 5.00 ₹1,000/month 0.30

Benefits

  • FD-backed credit limit Highlight

    Credit limit backed by Fixed Deposit

  • Travel rewards Highlight

    5x Reward Points on travel

  • Fuel surcharge waiver

    1% fuel surcharge waiver

Eligibility

Age
18–70 years
Min. income
₹2,00,000
Min. credit score
650+
Score note
FD-backed; no minimum credit score required
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, FD receipt, address proof

Utkarsh Eternal Credit Card is an FD-backed Visa credit card from Utkarsh Small Finance Bank with 5x travel rewards and 3x universal rewards.

Fees and rewards

  • Annual fee: Rs 999 (waived on Rs 1 lakh annual spend)
  • Joining fee: Nil
  • Rewards: 3x on all spends; 5x on travel

Eligibility

PAN, Aadhaar, FD receipt, address proof

Card data compiled from issuer published fee schedules. Status: active.

Apply for Utkarsh Eternal Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the Utkarsh Eternal Credit Card worth it?
Utkarsh Eternal Credit Card is a credit card issued by Utkarsh Small Finance Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Utkarsh Eternal Credit Card?
Utkarsh Eternal Credit Card charges ₹999 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the Utkarsh Eternal Credit Card reward rate work?
Utkarsh Eternal Credit Card earns 3x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.

What are the eligibility requirements for the Utkarsh Eternal Credit Card?
To qualify for Utkarsh Eternal Credit Card, you typically need: minimum annual income ₹2,00,000; CIBIL score of 650+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the Utkarsh Eternal Credit Card offer airport lounge access?
Utkarsh Eternal Credit Card does not publish complimentary airport lounge access as a benefit.

← All credit cards · All Utkarsh Small Finance Bank cards · All Visa cards

Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.

FinWiz24 may earn a commission from issuer referral links, at no extra cost to you. Our editorial content is independent and not influenced by compensation.