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Utkarsh SmartGen Credit Card
Utkarsh Small Finance Bank
Joining FeeLifetime FreeRenewal Fee₹199Waived at ₹50,000 annual spend
Last verified: 5 Sept 2026
Reward Program
cashback1 point = ₹1.00
Redemption fee: 0
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Live Offers
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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
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Fuel Surcharge Waiver
1% surcharge refunded on transactions of Rs 400 to Rs 5,000, maximum Rs 400 per statement cycle; GST on the surcharge is not refunded
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 | ₹199/yr |
| Fee Waiver | Spend ₹50,000/year |
| Forex Markup | 3% |
| Interest Rate | 43.2% p.a. |
| Cash Advance Fee | 5% of the amount or Rs 500, whichever is higher |
| Reward Redemption Fee | 0 |
| Min Income Eligibility | No income criterion published. Issued only to existing Utkarsh SFB customers holding an active Current, Savings, FD or Loan account. Age 21-65 for the unsecured card, 18-65 for the FD-backed card. Indian resident. |
