Utkarsh Small Finance Bank
Utkarsh Small Finance Bank Signature Credit Card
Premium Visa Signature with rewards and FD-backed collateral option
₹2,500/yr annual fee · 3x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Small-town professional
- FD-backed credit cardholder
- Premium tier aspirer
-
What we like
- FD-backed collateral option for thin-file customers
- Domestic + international lounge access
- Lower eligibility threshold than metro banks
-
Watch out for
- ₹2,500 non-waiver joining fee
- Standard 3.5% forex markup
- Smaller SFB with limited network
Annual fee
₹2,500/yr
Reward rate
3x
Min. income
₹6,00,000
Forex markup
3.5%
Lounge access
Domestic + international
Eligibility
₹6 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
₹1,500 voucher on annual spends ≥ ₹3,00,000; ₹3,000 voucher on ≥ ₹6,00,000.
Utkarsh Small Finance Bank Signature Credit Card review: premium Visa Signature with rewards on retail and dining, FD-backed collateral option for thin-file customers, lounge access, and milestone vouchers.
Who is this for
- Small-town professional
- FD-backed credit cardholder
- Premium tier aspirer
What we like
- FD-backed collateral option for thin-file customers
- Domestic + international lounge access
- Lower eligibility threshold than metro banks
Watch out for
- ₹2,500 non-waiver joining fee
- Standard 3.5% forex markup
- Smaller SFB with limited network
Issuer
Headquarters
Varanasi, Uttar Pradesh
Established 2017
Toll-free
1800-123-4567Website
www.utkarsh.bank.inUtkarsh Small Finance Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹2,500 | Not waivable |
| Annual fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Renewal fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,100 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3 Reward Points per ₹100 on retail spend; 2 Reward Points per ₹100 on dining; 1 Reward Point per ₹100 on utility & in… | Not explicitly stated | Redeemable via Utkarsh rewards portal |
| DINING | 2.00 | — | 0.50 |
| SHOPPING | 3.00 | — | 0.50 |
Benefits
-
FD-Backed Collateral Option Highlight
FD-backed collateral option for thin-file customers and new-to-credit users.
-
Domestic + International Lounge Access Highlight
4 complimentary domestic + 2 international lounge visits per year.
-
Global Visa Signature Acceptance
Visa Signature tier privileges at hotels and travel merchants worldwide.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
-
Milestone Vouchers
₹1,500 voucher on annual spends ≥ ₹3,00,000; ₹3,000 voucher on ≥ ₹6,00,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹6,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required; FD-backed option available for thin-file customers
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed; FD collateral option for thin-file customers
Utkarsh Small Finance Bank Signature Credit Card is the premium Visa Signature tier. It targets small-town customers with FD-backed collateral option and lounge access.
Fees and rewards
- Joining fee: ₹2,500 (non-waiver)
- Annual fee: ₹2,500, waived on annual spends ≥ ₹3,00,000
- Rewards: 3 Reward Points per ₹100 on retail; 2 Reward Points per ₹100 on dining
- Forex markup: 3.50%
Premium benefits
- FD-backed collateral option for thin-file customers
- 4 domestic + 2 international lounge visits per year
- Visa Signature tier privileges globally
- ₹1,500 milestone voucher on ₹3 lakh spend; ₹3,000 on ₹6 lakh
Eligibility
Minimum annual income ₹6,00,000 (salaried) / ITR-based for self-employed. Good credit score required; FD-backed option available.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the Utkarsh Small Finance Bank Signature Credit Card apply walkthrough →
Apply for Utkarsh Small Finance Bank Signature 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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