UTKARSH SMALL FINANCE BANK LTD Utkarsh Eternal Credit Card
UTKARSH SMALL FINANCE BANK LTD
Annual / renewal fee
- 1st year - Free.
- 2nd year onwards ₹1999 + Taxes.
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Earn rate
- Cashback earned on purchase transactions at eligible merchant categories.
- Adjusted towards balance on next statement.
VerifiedMITC v2 (June 2024 version) – General Credit Card (SmartGen / Eternal / Rhodium)5 Aug 2026, 3:50 AM ISTUTKARSH SMALL FINANCE BANK LTD
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at utkarsh.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at utkarsh.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Utkarsh Eternal Credit Card by UTKARSH SMALL FINANCE BANK LTD. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
No joining fee (NIL).
Verifiedharvested from product page5 Aug 2026, 3:50 AM ISTUTKARSH SMALL FINANCE BANK LTD
Annual / renewal fee
- 1st year - Free.
- 2nd year onwards ₹1999 + Taxes.
Verifiedharvested from product page5 Aug 2026, 3:50 AM ISTUTKARSH SMALL FINANCE BANK LTD
Fee waiver
2nd year onwards ₹1999 annual fee waived when annual spends of ₹1.5 lakh and above during the previous year.
VerifiedMost Important Terms & Conditions (MITC) – SmartGen / Eternal / Rhodium Credit Cards5 Aug 2026, 3:50 AM ISTUTKARSH SMALL FINANCE BANK LTD
Rewards
- Cashback earned on purchase transactions at eligible merchant categories.
- Adjusted towards balance on next statement.
VerifiedMITC v2 (June 2024 version) – General Credit Card (SmartGen / Eternal / Rhodium)5 Aug 2026, 3:50 AM IST
Redemption value
Cash back credited to Your Credit Card Account will be adjusted towards the balance on Your next Credit Card Statement.
VerifiedMITC v2 (June 2024 version) – General Credit Card (SmartGen / Eternal / Rhodium)5 Aug 2026, 3:50 AM ISTUTKARSH SMALL FINANCE BANK LTD
Reward exclusion
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Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
Available insurance cover: Currently not applicable.
VerifiedMost Important Terms & Conditions (MITC) – SmartGen / Eternal / Rhodium Credit Cards5 Aug 2026, 3:50 AM ISTUTKARSH SMALL FINANCE BANK LTD
Eligibility
Eligibility
- Individuals - Indian citizens and residents.
- Age 21 to 65 yrs (Unsecured).
- Existing To Bank (ETB) customers with CASA/Term Deposit/Retail Assets.
- KYC as per bank record.
- Minimum Credit Limit ₹25,000, Maximum ₹10,00,000.
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Charges & interest
Forex markup
3% of the value of the foreign currency transaction after conversion to Indian Rupees using network's currency conversion at transaction point.
VerifiedMost Important Terms & Conditions (MITC) – SmartGen / Eternal / Rhodium Credit Cards5 Aug 2026, 3:50 AM ISTUTKARSH SMALL FINANCE BANK LTD
Charge
- Late Payment Fees: ₹500/-.
- Cash Advance Fees: 5% or ₹500, whichever is higher.
- Available Cash Limit: 20% of Credit Limit.
- Finance Charge (APR): 3% per month (36% p.a.), for FD backed card 2.5% per month (30% p.a.).
- Overlimit Fees: ₹500 or 2.5% of Overlimit Amount (min ₹500) whichever is higher.
- Foreign Currency Surcharge: 3%.
- Return payment charge: 2.5% of returned payment (min ₹500).
- Fuel Transaction Surcharge: 1% refunded (₹400-₹5000).
- E-Statements: NIL.
- Physical Statements: ₹50 per statement.
- GST: 18% on all fees, interest & other charges.
- Card Replacement Fee: ₹500/-.
- Surcharge on Rent Payment: 1% (cap 40% of credit limit per billing cycle).
- Service Charge: NIL.
- Add-on/Supplementary Card Annual Fee: No Annual Fee.
- Fuel Surcharge Waiver limited to ₹40,000 spend in a calendar month with no single transaction over ₹8,000.
- Tax/TCS/TDS as per prevailing rate.
VerifiedMost Important Terms & Conditions (MITC) – SmartGen / Eternal / Rhodium Credit Cards5 Aug 2026, 3:50 AM ISTUTKARSH SMALL FINANCE BANK LTD
Fuel surcharge waiver
- 1% fuel surcharge refunded for transactions between ₹400 and ₹5000 (subject to a maximum waiver of ₹400 in a statement cycle).
- GST on surcharge will not be refunded.
VerifiedMost Important Terms & Conditions (MITC) – SmartGen / Eternal / Rhodium Credit Cards5 Aug 2026, 3:50 AM ISTUTKARSH SMALL FINANCE BANK LTD
Interest-free period
Up to 50 days (interest free credit period can range from 20 to 50 days depending on date of transaction).
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Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Utkarsh Eternal Credit Card?
Officially traced: 1st year - Free.
harvested from product pageWhat is the joining fee on the Utkarsh Eternal Credit Card?
Officially traced: No joining fee (NIL).
harvested from product pageIs the Utkarsh Eternal Credit Card annual fee ever waived?
2nd year onwards Rs.1999 annual fee waived when annual spends of Rs.1.5 lakh and above during the previous year.
Most Important Terms & Conditions (MITC) – SmartGen / Eternal / Rhodium Credit CardsHow does the Utkarsh Eternal Credit Card earn rewards?
Cashback earned on purchase transactions at eligible merchant categories.
MITC v2 (June 2024 version) – General Credit Card (SmartGen / Eternal / Rhodium)What are the transfer ratios for Utkarsh Eternal Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.utkarsh.bank.in/personal/cards/credit-card/eternal.
VerifiedUtkarsh Eternal Credit Card product page5 Aug 2026, 3:50 AM ISTUTKARSH SMALL FINANCE BANK LTD
Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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