Utkarsh superCard

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

Annual fee

₹0

Nil

What it gives back

1% 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

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

Rewards

Reward rate
1% cashback · everyday spends1% cashback on all non-UPI and UPI credit card transactions.
Online earning
5% & 2% Cashback on non-upi spends on Myntra & Flipkart Respectively.
Reward exclusions
Cashback is only applicable on transactions where transaction amount is greater than or equal to ₹100
Reward caps
Cashback on UPI transactions are capped at ₹500 per statement month. Cashback on non-UPI transactions are capped at ₹10,000 per statement month.
Cashback redemption
To redeem your available reward balance, visit 'Rewards' and 'Swipe to Redeem' in super.money app.

Card benefits

Retention or continued-access criteria
Withdrawing all your deposits will lead to deactivation of the card.

Charges

Forex markup
3.5% on foreign currency transactions.3.5% of transaction amount
Cash advance fee
On Domestic Cash advance 5% or ₹25, whichever is higher.
Cash advance interest
Interest is billed at 3% per month if you use your Credit Card to withdraw cash.
Interest on unpaid balance
Up to 3% per month (equivalent to 36% annual percentage rate)
Interest-free period
Upto 45 days
Late payment fee
Nil, when credit limit below ₹100; 5% of TAD, when credit limit below ₹2,000; 10% of TAD, capped at ₹1250 when limit is equal to or above ₹2,000.

Eligibility

Minimum age
18 & Above (FD Backed Credit Card)
Documents required
Aadhaar-linked mobile number, Aadhaar details, a pen, paper, and your original physical PAN Card.

How we know

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

On these lists

₹0 for life

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