Utkarsh Small Finance Bank Rhodium Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns cashback

First-year fee

₹0

No fee

Annual fee

₹4,999 a year.

What it gives back

1.25% cashback · everyday spends

Read from 5 Utkarsh Small Finance Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

₹4,999 annual fee: of the 273 other open cards whose annual fee we have read, 235 state a lower one, 9 state the same and 29 state a higher one.

3% forex markup: of the 291 other open cards whose forex markup we have read, 72 state a lower one, 19 state the same and 200 state a higher one.

Fees

Renewal fee
₹4,999 a year.
Joining feeAdd-on card fee
₹0No fee
Fee waiver rule
Fee waiver is given when ₹5 lakhs is spent during the previous year.

Rewards

Reward rate
1.25% cashback · everyday spends1.25% Cashback on all eligible transactions.

Card benefits

Domestic lounge access
Complimentary Lounge Access at Select Airports up to 4 times in a calendar quarter

Also included

Fuel surcharge waiver
1% off on Fuel surcharge (refunded for transaction between ₹400 to ₹5000)

Charges

Forex markup
3% on foreign currency transactions.3% of the value of the foreign currency transaction
Cash advance fee
5% of cash advance or ₹500/- whichever is higher.
Interest on unpaid balance
Up to 2% per month [equivalent to 24% annual percentage rate]
Interest-free period
Upto 50 days
Late payment fee
₹500/- in addition to the interest payable on the outstanding credit card amount.
Over-limit fee
₹500 or 2.5% of Overlimit Amount (subject to a minimum of ₹500), whichever is higher
Payment return or dishonour fee
2.5% of the value of the returned payment (subject to a minimum of ₹500)
Statement or duplicate statement fee
Physical statements: ₹50 per statement.
Card replacement fee
₹500 if the card is replaced due to loss or theft.
Rent transaction fee
1% surcharge on rental payments subject to a cap 40% of credit limit in a billing cycle
GST note
GST at the statutorily applicable rate, which currently stands at 18% (applicable on all fees, interest & other charges)
Grace days after the due date
3 (three) days from the Payment Due Date, where Late Payment Fees are not levied; the Grace Period is only applicable for Late Payment Fees and there is no Grace Period for Finance Charges
Minimum amount due
5% of retail spends and cash withdrawals, plus 100% of GST, EMI amount, fees and charges and interest, plus overdue MAD of the previous statement and overlimit amount

Eligibility

Eligibility
For existing customers holding an active Current Account, Savings Account, FD Account and Loan Account.
Minimum age
Unsecured Credit Card: 21 to 65 years.
Documents required
No additional documents are required; customers to ensure their latest KYC details are updated with the Bank.
Residency
Has to be an Indian resident.

In the terms, not the brochure

Whether carrying a balance ends the interest-free period
Interest Free Credit Period is lost if the Total Amount Due of the previous month’s Credit Card Statement is not paid by the Payment Due Date; You will not be entitled to any Interest Free Credit Period.

5 documents from Utkarsh Small Finance Bank, checked 19 Oct 2026.

On these lists

₹4,999 a year

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