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Utkarsh Small Finance Bank

Utkarsh SmartGen Credit Card

Best for FD-backed credit card, smart features

₹500/yr annual fee · 2x rewards

RuPay

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

₹500/yr

Reward rate

2x

Min. income

₹1,50,000

Forex markup

Not published

Lounge access

None

Eligibility

₹1.50 lakh/yr · CIBIL 600+

Reward cap

No published cap

Welcome benefit

None beyond the reward rate

Who is this for

  • New-to-credit
  • Smart spenders

What we like

  • FD-backed, low risk
  • 2x universal rewards
  • UPI enabled

Watch out for

  • Rs 500 annual fee
  • Modest reward rate

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

RuPay

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Annual fee ₹500 Waived on Rs 30,000 annual spend

Rewards

Spend category Rate Cap Redemption
All spends 2.00 — 0.25
UPI 3.00 — 0.25

Benefits

  • FD-backed credit limit Highlight

    Credit limit backed by Fixed Deposit

  • Universal rewards Highlight

    2 Reward Points per Rs 100 on all spends

  • UPI enabled

    UPI enabled for credit card payments

Eligibility

Age
18–70 years
Min. income
₹1,50,000
Min. credit score
600+
Score note
FD-backed; no minimum credit score required
Employment
Salaried, self-employed, student
Documents
PAN, Aadhaar, FD receipt, address proof

Utkarsh SmartGen Credit Card is an FD-backed RuPay credit card from Utkarsh Small Finance Bank with 2x rewards and UPI enablement.

Fees and rewards

  • Annual fee: Rs 500 (waived on Rs 30,000 annual spend)
  • Joining fee: Nil
  • Rewards: 2x on all spends; 3x on UPI spends

Eligibility

PAN, Aadhaar, FD receipt, address proof

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

Apply for Utkarsh SmartGen 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 SmartGen Credit Card worth it?
Utkarsh SmartGen 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 SmartGen Credit Card?
Utkarsh SmartGen Credit Card charges ₹500 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 SmartGen Credit Card reward rate work?
Utkarsh SmartGen Credit Card earns 2x 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 SmartGen Credit Card?
To qualify for Utkarsh SmartGen Credit Card, you typically need: minimum annual income ₹1,50,000; CIBIL score of 600+; Salaried / self-employed / student only. The eligibility tile on this page has the full published criteria.

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

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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.

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