Utkarsh Small Finance Bank
Utkarsh Wish Credit Card
Best for FD-backed rewards, online shopping
₹499/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
Annual fee
₹499/yr
Reward rate
3x
Min. income
₹1,50,000
Forex markup
Not published
Lounge access
None
Eligibility
₹1.50 lakh/yr · CIBIL 600+
Reward cap
₹500/month
Welcome benefit
None beyond the reward rate
Who is this for
- New-to-credit
- Online shopper
What we like
- FD-backed, low risk
- 5x on online shopping
Watch out for
- Rs 499 annual fee
- Rs 500 monthly cap on accelerated rewards
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 | ₹499 | Waived on Rs 30,000 annual spend |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| ONLINE | 5.00 | ₹500/month | 0.25 |
| All spends | 3.00 | — | 0.25 |
Benefits
-
FD-backed credit limit Highlight
Credit limit backed by Fixed Deposit
-
Online rewards Highlight
5x Reward Points on online shopping
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 Wish Credit Card is an FD-backed Visa credit card from Utkarsh Small Finance Bank with 5x rewards on online shopping.
Fees and rewards
- Annual fee: Rs 499 (waived on Rs 30,000 annual spend)
- Joining fee: Nil
- Rewards: 5x on online shopping; 3x on other spends
Eligibility
PAN, Aadhaar, FD receipt, address proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for Utkarsh Wish 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
Is the Utkarsh Wish Credit Card worth it?
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