UTKARSH SMALL FINANCE BANK LTD Utkarsh superCard
UTKARSH SMALL FINANCE BANK LTD
Annual / renewal fee
Nil (no annual fee).
VerifiedMost Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)5 Aug 2026, 4:20 AM ISTUTKARSH SMALL FINANCE BANK LTD
Earn rate
- 1% cashback on all spends (both UPI and non-UPI).
- Preferred Merchants on non-UPI: 5% on Myntra Designs Pvt Ltd (web or app), 2% on Flipkart Internet Pvt Ltd (web or app, max ₹100/transaction).
- UPI cashback subject to transacting via super.money app.
- Cashback only on transactions >= ₹100.
- (Applicable from 11 August 2025).
VerifiedMost Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)5 Aug 2026, 4:20 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 superCard 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) – superCard (latest, v21-May-2026)5 Aug 2026, 4:20 AM ISTUTKARSH SMALL FINANCE BANK LTD
Annual / renewal fee
Nil (no annual fee).
VerifiedMost Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)5 Aug 2026, 4:20 AM ISTUTKARSH SMALL FINANCE BANK LTD
Fee waiver
Confirm on the official page
Official source not yet captured
Renewal fee
Card Fee on Replacement and Renewal: ₹249 plus taxes.
VerifiedMost Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)5 Aug 2026, 4:20 AM ISTUTKARSH SMALL FINANCE BANK LTD
Rewards
- 1% cashback on all spends (both UPI and non-UPI).
- Preferred Merchants on non-UPI: 5% on Myntra Designs Pvt Ltd (web or app), 2% on Flipkart Internet Pvt Ltd (web or app, max ₹100/transaction).
- UPI cashback subject to transacting via super.money app.
- Cashback only on transactions >= ₹100.
- (Applicable from 11 August 2025).
VerifiedMost Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)5 Aug 2026, 4:20 AM IST
Redemption value
- Cashback is money available for redemption into the cardholder's account under the superRewards Program.
- Cashback is available for redemption once settled by the merchant with the Bank, plus an additional hold period of up to 30 days from date of settlement.
- Cashback is valid only for 2 years from the date of accumulation.
VerifiedMost Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)5 Aug 2026, 4:20 AM ISTUTKARSH SMALL FINANCE BANK LTD
Reward cap
- Cashback on UPI transactions capped at ₹500 per month.
- Cashback on non-UPI transactions capped at ₹10,000 per month.
- Total cashback across all Preferred Merchants capped at ₹500 per statement.
VerifiedMost Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)5 Aug 2026, 4:20 AM ISTUTKARSH SMALL FINANCE BANK LTD
Reward exclusion
VerifiedMost Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)5 Aug 2026, 4:20 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
- Secured credit card issued against a fixed deposit.
- Applicable credit limit is currently a minimum 90% of the fixed deposit.
- Minimum deposit requirement commences at ₹100.
- Fixed deposits must be in the name of a single individual and opened through the app.
VerifiedMost Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)5 Aug 2026, 4:20 AM ISTUTKARSH SMALL FINANCE BANK LTD
Charges & interest
Forex markup
3.5% of transaction amount (levied on INR-converted value on settlement date; also applies to INR transactions at merchants/gateways based outside India).
VerifiedKey Fact Statement (KFS) – superCard (latest, v21-May-2026)5 Aug 2026, 4:20 AM ISTUTKARSH SMALL FINANCE BANK LTD
Interest-free period
Interest-free period of up to 45 days (not available if previous month's dues unpaid in full or if there are cash withdrawals; cash advances always attract interest from date of withdrawal).
VerifiedKey Fact Statement (KFS) – superCard (latest, v21-May-2026)5 Aug 2026, 4:20 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 superCard?
Officially traced: Nil (no annual fee).
Most Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)What is the joining fee on the Utkarsh superCard?
Officially traced: Nil (no joining fee).
Key Fact Statement (KFS) – superCard (latest, v21-May-2026)How does the Utkarsh superCard earn rewards?
1% cashback on all spends (both UPI and non-UPI); Preferred Merchants on non-UPI: 5% on Myntra Designs Pvt Ltd (web or app), 2% on Flipkart Internet Pvt Ltd (web or app, max Rs. 100/transaction).
Most Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)What are the transfer ratios for Utkarsh superCard 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/supercard.
VerifiedUtkarsh superCard product page5 Aug 2026, 4:20 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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