Utkarsh Small Finance Bank Wish 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

Annual fee

₹0

Nil

What it gives back

1% reward points on scan & pay through PhonePe app.

Read from 2 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% reward points on scan & pay through PhonePe app.
Online earning
1% reward points on select online brands.
Utilities earning
3% reward points on recharge and bill payments through PhonePe app.

Card benefits

Milestone benefits
200 rewards points on milestone spends of ₹15,000/month.
Retention or continued-access criteria
If you withdraw the last FD or close your card, the card cannot be reopened, re-issued or reactivated.

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 3.0% 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
10% of outstanding amount (Total Amount Due less any payments received by the payment due date), capped at ₹1250.

Eligibility

Eligibility
For individual customers with valid PAN details, mobile no & email ID.
Minimum age
18 to 80 years (FD Backed Credit Card)
Documents required
Aadhaar-linked mobile number, Aadhaar details, a pen, paper, and your original physical PAN Card.
Residency
Has to be an Indian Resident.

How we know - 2 documents from Utkarsh Small Finance Bank, checked 19 Oct 2026

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

On these lists

₹0 for life

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