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Utkarsh Eternal Credit Card
Utkarsh Small Finance Bank
Joining FeeLifetime FreeRenewal Fee₹1,999Waived at ₹1,50,000 annual spend
Last verified: 26 Sept 2026
Reward Program
Cashback1 point = ₹1.00
Redemption fee: 0
🔁
Managed via Statement credit
Transfer partners
Direct cashback — 1:1 with rupees by definition.
Live Offers
41 activeNutrabay10% off up to Rs. 300 on First Purchase
10% off
NBTHRIWETill 31 DecApollo Hospital25% off on Apollo ProHealth Health Checks
25% offTill 15 Jul
Wickramarachchi Opticians20% off on Frames & Sunglasses
20% offTill 31 Dec
Swiss-Belhotel InternationalGuaranteed 20-35% discount on Rooms & Dining
20% offTill 30 Aug
IHG® Hotels & Resorts15% savings on Best Flexible Rate
15% offTill 31 Dec
Benefits
⛽
Fuel Surcharge Waiver
1% fuel surcharge refunded on transactions between ₹400 and ₹5,000. Utkarsh notes that the surcharge itself is levied by the merchant's bank, not by Utkarsh.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | ₹1,999/yr |
| Fee Waiver | Spend ₹1,50,000/year |
| Forex Markup | 3% |
| Interest Rate | 36% p.a. |
| Cash Advance Fee | 5% of the amount withdrawn or ₹500, whichever is higher. |
| Reward Redemption Fee | 0 |
