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Utkarsh Small Finance Bank

Utkarsh SmartGen Credit 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

Nil (No joining fee)

Annual fee

₹199 + GST

What it gives back

1% cashback · everyday spends

Read from 4 Utkarsh Small Finance Bank documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

₹199 annual fee: of the 273 other open cards whose annual fee we have read, 85 state a lower one, 2 state the same and 186 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

    ₹199 + GST

  • Joining fee

    ₹0Nil (No joining fee)

  • Fee waiver rule

    Fee waiver when ₹50,000 is spent during the previous year.

Rewards

  • Reward rate

    1% cashback · everyday spends1% Cashback on all eligible transactions.

Also included

  • Fuel surcharge waiver

    1% fuel surcharge refund on transactions between ₹400 and ₹5000.

Charges

  • Forex markup

    3% on foreign currency transactions.3% of the value of the foreign currency transaction after conversion to Indian Rupees

  • Cash advance fee

    5% of cash advance or ₹500/- whichever is higher.

  • Interest on unpaid balance

    Up to 3.6% per month (equivalent to 43.2% 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 for card replacement due to loss or theft.

  • What the card's fee or benefit year means

    Annual fee is free for the first year; from the 2nd year onwards the charges are levied.

  • 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/Charges and Interest, plus overdue MAD of the previous statement and Overlimit amount

Eligibility

  • Minimum age

    Unsecured Credit Card: 21 to 65 years.

  • Documents required

    Customers to ensure their latest KYC details are updated with the Bank; no additional documents are required.

  • Residency

    Has to be an Indian Resident.

In the terms, not the brochure (1)

  • 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.

How we know - 4 documents from Utkarsh Small Finance Bank, checked 19 Oct 2026

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

On these lists

View on the bank

₹199 a year

View on the bank