UTKARSH SMALL FINANCE BANK LTD Utkarsh SmartGen Credit Card
UTKARSH SMALL FINANCE BANK LTD
Annual / renewal fee
- No annual fee for 1st year.
- ₹199 + Taxes from 2nd year onwards.
VerifiedKey Fact Statement (KFS) – SmartGen Credit Card15 Aug 2026, 1:10 AM ISTUTKARSH SMALL FINANCE BANK LTD
Earn rate
Confirm on the official page
Official source not yet captured
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 SmartGen Credit 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).
VerifiedMost Important Terms & Conditions (MITC) – Utkarsh Credit Cards (covers SmartGen)15 Aug 2026, 1:10 AM ISTUTKARSH SMALL FINANCE BANK LTD
Annual / renewal fee
- No annual fee for 1st year.
- ₹199 + Taxes from 2nd year onwards.
VerifiedKey Fact Statement (KFS) – SmartGen Credit Card15 Aug 2026, 1:10 AM ISTUTKARSH SMALL FINANCE BANK LTD
Fee waiver
Second-year annual fee of ₹199 waived when ₹50,000 is spent during the previous year.
VerifiedMost Important Terms & Conditions (MITC) – Utkarsh Credit Cards (covers SmartGen)15 Aug 2026, 1:10 AM ISTUTKARSH SMALL FINANCE BANK LTD
Rewards
Redemption value
Cash back credited to Your Credit Card Account will be adjusted towards the balance on Your Next Credit Card Statement.
VerifiedMost Important Terms & Conditions (MITC) – Utkarsh Credit Cards (covers SmartGen)15 Aug 2026, 1:10 AM ISTUTKARSH SMALL FINANCE BANK LTD
Reward exclusion
VerifiedKey Fact Statement (KFS) – SmartGen Credit Card15 Aug 2026, 1:10 AM ISTUTKARSH SMALL FINANCE BANK LTD
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
Eligibility
Eligibility
- Individuals - Indian citizens and residents.
- Age 21 to 65 years.
- Existing To Bank (ETB) customers with active Current Account, Savings Account, Term Deposit or Retail Assets, qualified basis Bureau score & Bank's internal scorecard.
VerifiedKey Fact Statement (KFS) – SmartGen Credit Card15 Aug 2026, 1:10 AM ISTUTKARSH SMALL FINANCE BANK LTD
Charges & interest
Forex markup
3% Foreign Currency Surcharge on 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) – Utkarsh Credit Cards (covers SmartGen)15 Aug 2026, 1:10 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): 3.6% per month (43.2% p.a.).
- For FD-backed card 2.5% per month (30% p.a.).
- Overlimit Fees: ₹500 or 2.5% of Overlimit Amount (subject to a minimum of ₹500) whichever is higher.
- Foreign Currency Surcharge: 3% of foreign currency transaction.
- Return payment charge: 2.5% of value of returned payment (subject to minimum of ₹500).
- E-Statements: Nil.
- Physical Statement: ₹50 per statement.
- GST: 18% on all fees, interest & other charges.
- Card Replacement Fee: ₹500.
- Surcharge on Rent Payment: 1% subject to a cap of 40% of credit limit in a billing cycle.
- Service Charge: Nil.
- Add-on/Supplementary Card Annual Fees: No Annual Fee.
- Joining Fees: Nil.
- Tax/TCS/TDS levied at prevailing rate on applicable transactions.
VerifiedMost Important Terms & Conditions (MITC) – Utkarsh Credit Cards (covers SmartGen)15 Aug 2026, 1:10 AM ISTUTKARSH SMALL FINANCE BANK LTD
Fuel surcharge waiver
- 1% fuel surcharge refunded for transactions between ₹400 and ₹5,000 (subject to a maximum waiver of ₹400 in a statement cycle).
- GST on surcharge will not be refunded.
VerifiedMost Important Terms & Conditions (MITC) – Utkarsh Credit Cards (covers SmartGen)15 Aug 2026, 1:10 AM ISTUTKARSH SMALL FINANCE BANK LTD
Interest-free period
Up to 50 days (interest free credit period ranges from 20 to 50 days depending on transaction date).
VerifiedKey Fact Statement (KFS) – SmartGen Credit Card15 Aug 2026, 1:10 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 SmartGen Credit Card?
Officially traced: No annual fee for 1st year.
Key Fact Statement (KFS) – SmartGen Credit CardWhat is the joining fee on the Utkarsh SmartGen Credit Card?
Officially traced: Nil (No joining fee).
Most Important Terms & Conditions (MITC) – Utkarsh Credit Cards (covers SmartGen)Is the Utkarsh SmartGen Credit Card annual fee ever waived?
Second-year annual fee of Rs. 199 waived when Rs. 50,000 is spent during the previous year.
Most Important Terms & Conditions (MITC) – Utkarsh Credit Cards (covers SmartGen)What are the transfer ratios for Utkarsh SmartGen 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/smartgen.
VerifiedBoard Approved Credit Card Policy (covers SmartGen, Eternal, Rhodium)15 Aug 2026, 1:10 AM ISTUTKARSH SMALL FINANCE BANK LTD
Verified 2026-08-14 · 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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