Utkarsh Small Finance Bank
Utkarsh Rhodium Credit Card
Best for FD-backed premium cardholders, lifestyle benefits
₹1,999/yr annual fee · 4x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹1,999/yr
Reward rate
4x
Min. income
₹4,00,000
Forex markup
3%
Lounge access
Yes
Eligibility
₹4 lakh/yr · CIBIL 700+
Reward cap
₹1,000/month
Welcome benefit
None beyond the reward rate
Who is this for
- New-to-credit
- Premium spender
What we like
- FD-backed, low risk
- 8x on travel
- Lounge access
Watch out for
- Rs 1,999 annual fee
- FD-locked funds
Issuer
Headquarters
Varanasi, Uttar Pradesh
Established 2017
Toll-free
1800-123-4567Website
www.utkarsh.bank.inFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹1,999 | Waived on Rs 2 lakh annual spend |
| Forex markup | 3% | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 8.00 | — | 0.30 |
| DINING | 6.00 | ₹1,000/month | 0.30 |
| All spends | 4.00 | — | 0.25 |
Benefits
-
FD-backed credit limit Highlight
Credit limit backed by Fixed Deposit
-
Lounge access Highlight
Complimentary domestic airport lounge access
-
Travel insurance
Complimentary travel insurance cover
Eligibility
- Age
- 18–70 years
- Min. income
- ₹4,00,000
- Min. credit score
- 700+
- Score note
- FD-backed; no minimum credit score required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, FD receipt, address proof
Utkarsh Rhodium Credit Card is an FD-backed Visa premium credit card from Utkarsh Small Finance Bank with 8x travel rewards, lounge access and 4x universal rewards.
Fees and rewards
- Annual fee: Rs 1,999 (waived on Rs 2 lakh annual spend)
- Joining fee: Nil
- Rewards: 8x on travel; 6x on dining; 4x on other spends
Eligibility
PAN, Aadhaar, FD receipt, address proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for Utkarsh Rhodium Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
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