UTKARSH SMALL FINANCE BANK LTD Utkarsh Small Finance Bank Rhodium Card
UTKARSH SMALL FINANCE BANK LTD
Annual / renewal fee
- 1st year free.
- ₹4999 + Taxes from 2nd year onwards.
VerifiedMost Important Terms & Conditions (MITC) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Earn rate
Cashback can be earned by making a purchase transaction at eligible merchant categories using the Credit Card.
VerifiedUtkarsh Small Finance Bank Rhodium Card product page5 Aug 2026, 3:55 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 Small Finance Bank Rhodium Card by UTKARSH SMALL FINANCE BANK LTD. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Nil (no joining fee).
VerifiedKey Fact Statement (KFS) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Annual / renewal fee
- 1st year free.
- ₹4999 + Taxes from 2nd year onwards.
VerifiedMost Important Terms & Conditions (MITC) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Fee waiver
Annual fee waived when ₹5 lakh is spent during the previous year.
VerifiedKey Fact Statement (KFS) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Rewards
Cashback can be earned by making a purchase transaction at eligible merchant categories using the Credit Card.
VerifiedUtkarsh Small Finance Bank Rhodium Card product page5 Aug 2026, 3:55 AM IST
Redemption value
Cash back credited to the Credit Card Account is adjusted towards the balance on the next Credit Card Statement.
VerifiedUtkarsh Small Finance Bank Rhodium Card product page5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Reward exclusion
VerifiedKey Fact Statement (KFS) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Travel & lounge
Lounge access
Domestic airport lounge access: free lounge access at select airports up to 4 times in a calendar quarter (62 airport lounge program) for all Rhodium Cardholders.
VerifiedMost Important Terms & Conditions (MITC) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
Available insurance cover for cardholder and date of activation of policy including nomination details: Currently not applicable.
VerifiedMost Important Terms & Conditions (MITC) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Eligibility
Eligibility
- Individuals - Indian citizens and residents.
- Card Variant: Rhodium.
- Card Association: MasterCard.
- Service Provider: 42 Card Solutions Pvt. Ltd. Age 21 to 65 years (per policy).
- ETB customers with active CASA/FD/Loan.
VerifiedKey Fact Statement (KFS) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Charges & interest
Forex markup
Foreign Currency Surcharge: 3% of the value of the foreign currency transaction after conversion to Indian Rupees using network's currency conversion at transaction point.
VerifiedKey Fact Statement (KFS) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Charge
- Late Payment Fees: ₹500.
- Cash Advance Fees: 5% or ₹500, whichever is higher.
- Finance Charge (APR): 2% per month (24% p.a.).
- Overlimit Fees: ₹500 or 2.5% of Overlimit Amount (min ₹500), whichever is higher.
- Return payment charge: 2.5% of returned payment (min ₹500).
- Foreign Currency Surcharge: 3%.
- Card Replacement Fee: ₹500.
- Physical Statement: ₹50 per statement.
- E-Statements: Nil.
- Service Charge: NIL.
- GST: 18% on all fees, interest & other charges.
- Surcharge on Rent Payment: 1% (capped at 40% of credit limit in a billing cycle).
- Card Validation Charges - Domestic Lounges: authorization of ₹25 for validation only (not charged).
- Available Cash Limit: 20% of Credit Limit.
- Any tax/TCS/TDS levied by competent authorities as per prevailing rate.
VerifiedKey Fact Statement (KFS) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Fuel surcharge waiver
1% fuel surcharge refunded for transactions between ₹400 to ₹5000 (subject to a maximum waiver of ₹400 in a statement cycle; GST on surcharge will not be refunded).
VerifiedUtkarsh Small Finance Bank Rhodium Card product page5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
Interest-free period
Up to 50 days (ranges from 20 to 50 days depending on date of transaction).
VerifiedKey Fact Statement (KFS) – Rhodium Credit Card5 Aug 2026, 3:55 AM ISTUTKARSH SMALL FINANCE BANK LTD
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 Small Finance Bank Rhodium Card?
Officially traced: 1st year free.
Most Important Terms & Conditions (MITC) – Rhodium Credit CardWhat is the joining fee on the Utkarsh Small Finance Bank Rhodium Card?
Officially traced: Nil (no joining fee).
Key Fact Statement (KFS) – Rhodium Credit CardIs the Utkarsh Small Finance Bank Rhodium Card annual fee ever waived?
Annual fee waived when Rs. 5 lakh is spent during the previous year.
Key Fact Statement (KFS) – Rhodium Credit CardHow does the Utkarsh Small Finance Bank Rhodium Card earn rewards?
Cashback can be earned by making a purchase transaction at eligible merchant categories using the Credit Card.
Utkarsh Small Finance Bank Rhodium Card product pageWhat lounge access does the Utkarsh Small Finance Bank Rhodium Card include?
Domestic airport lounge access: free lounge access at select airports up to 4 times in a calendar quarter (62 airport lounge program) for all Rhodium Cardholders.
Most Important Terms & Conditions (MITC) – Rhodium Credit CardWhat are the transfer ratios for Utkarsh Small Finance Bank Rhodium 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
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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