UTKARSH SMALL FINANCE BANK LTD Utkarsh Wish Credit Card
UTKARSH SMALL FINANCE BANK LTD
Annual / renewal fee
Nil (no annual fee).
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Earn rate
- 3% reward points on UPI spends via PhonePe Bill Payments in select categories (Mobile Recharge, FASTag, DTH, Cable TV, Electricity, Mobile Postpaid, Broadband/Landline, Prepaid Meter, Piped Gas).
- 1% reward points on UPI spends via PhonePe at Preferred Merchants (Amazon, Flipkart, Myntra, Ajio, Nykaa, Swiggy, Zomato, District, Urban Company).
- 1% reward points on all offline merchants using Scan & Pay via PhonePe.
- Cashback only applicable where transaction amount is >= ₹100.
- Each reward point is worth Re 1.
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 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 Wish 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) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Annual / renewal fee
Nil (no annual fee).
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Fee waiver
- Physical Card Fee (₹249 plus taxes) is not applicable for customers meeting the Eligible Fixed Deposit (FD) value of ₹10,000 or above.
- Applicability determined by the FD amount maintained at time of card issuance and during the first 12 months of card ownership.
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Renewal fee
Card Fee on Replacement and Renewal: ₹249 plus taxes.
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Rewards
- 3% reward points on UPI spends via PhonePe Bill Payments in select categories (Mobile Recharge, FASTag, DTH, Cable TV, Electricity, Mobile Postpaid, Broadband/Landline, Prepaid Meter, Piped Gas).
- 1% reward points on UPI spends via PhonePe at Preferred Merchants (Amazon, Flipkart, Myntra, Ajio, Nykaa, Swiggy, Zomato, District, Urban Company).
- 1% reward points on all offline merchants using Scan & Pay via PhonePe.
- Cashback only applicable where transaction amount is >= ₹100.
- Each reward point is worth Re 1.
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM IST
Redemption value
- Each reward point is worth Re 1.
- On claiming reward points, cashback of equivalent value is credited into the cardholder's PhonePe account.
- A minimum of 50 reward points as 'Claimable Points' balance is required to redeem.
- Reward points are available for redemption once settled by the merchant with the Bank, plus an additional hold period of up to 30 days from the date of settlement.
- Reward points are valid only for 12 months from the date of accumulation.
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Reward cap
3% category (PhonePe Bill Payments): up to 150 reward points per statement month. 1% Preferred Merchants category: up to 200 reward points per statement month. 1% offline Scan & Pay category: up to 150 reward points per statement month.
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Reward exclusion
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 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
Insurance
- Zero liability for any misuse on a card or PIN after informing the Bank of the loss, unless the cardholder acted with gross negligence.
- Liability for unauthorised transactions is per Annexure 1: zero liability where loss is due to Bank fraud/negligence/deficiency or third-party system breach reported within 3 working days.
- Limited liability (lower of transaction value or ₹10,000 for credit limit up to ₹5 lakh / ₹25,000 for limit above ₹5 lakh) for 4-7 working day reporting delays.
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Milestone benefit
- 200 reward points additionally on completing transactions worth ₹15,000 in any statement month across any mode of transaction.
- An additional hold period of 30 days applies from the date reward points are credited.
- Excludes credit balance refund, fees, interest charges, reversal transactions and EMI transactions from total spends calculation.
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Forex Mark-up Fee: 3.5% of transaction amount.
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Fuel surcharge waiver
- Fuel Surcharge is levied by the Merchant Bank.
- Utkarsh SFBL debits the cost of fuel along with charges and taxes as instructed by the Merchant Bank.
- (No fuel surcharge waiver is stated for this card.).
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 AM ISTUTKARSH SMALL FINANCE BANK LTD
Interest-free period
Interest-free period of up to 45 days (does not apply to cash advances).
VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 4:30 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 Wish Credit Card?
Officially traced: Nil (no annual fee).
Most Important Terms & Conditions (MITC) – Wish Credit CardWhat is the joining fee on the Utkarsh Wish Credit Card?
Officially traced: Nil (no joining fee).
Most Important Terms & Conditions (MITC) – Wish Credit CardIs the Utkarsh Wish Credit Card annual fee ever waived?
Physical Card Fee (Rs. 249 plus taxes) is not applicable for customers meeting the Eligible Fixed Deposit (FD) value of Rs. 10,000 or above.
Most Important Terms & Conditions (MITC) – Wish Credit CardHow does the Utkarsh Wish Credit Card earn rewards?
3% reward points on UPI spends via PhonePe Bill Payments in select categories (Mobile Recharge, FASTag, DTH, Cable TV, Electricity, Mobile Postpaid, Broadband/Landline, Prepaid Meter, Piped Gas); 1% reward points on UPI spends via PhonePe.
Most Important Terms & Conditions (MITC) – Wish Credit CardWhat are the transfer ratios for Utkarsh Wish 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/wish-credit-card.
VerifiedUtkarsh Wish Credit Card product page5 Aug 2026, 4:30 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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