What are the main benefits of the Utkarsh Rhodium Credit Card?

The Utkarsh Rhodium Credit Card offers a flat 1.25% cashback on all eligible spends and complimentary domestic lounge access up to 16 times annually.

Is there a joining fee for the Utkarsh Rhodium Credit Card?

No, the Utkarsh Rhodium Credit Card does not have a joining fee. It is also free for the first year regarding its annual fee.

How can I get the annual fee waived for the Utkarsh Rhodium Credit Card?

The ₹4,999 + GST annual fee for the Utkarsh Rhodium Credit Card is waived if you spend ₹5 lakhs or more in the preceding year.

What is the cashback rate offered by the Utkarsh Rhodium Credit Card?

The Utkarsh Rhodium Credit Card provides a flat 1.25% cashback on all eligible transactions.

Does the Utkarsh Rhodium Credit Card offer lounge access?

Yes, the Utkarsh Rhodium Credit Card provides 4 complimentary domestic airport lounge visits per calendar quarter, totaling 16 annually.

What is the foreign currency markup on the Utkarsh Rhodium Credit Card?

The Utkarsh Rhodium Credit Card charges a 3% foreign currency markup on all international transactions.

Can I get an add-on card with the Utkarsh Rhodium Credit Card?

Yes, you can get add-on cards with the Utkarsh Rhodium Credit Card without any additional charges.

What is the interest-free period for the Utkarsh Rhodium Credit Card?

The Utkarsh Rhodium Credit Card offers an interest-free period of up to 50 days on your purchases.

How do I redeem cashback earned with the Utkarsh Rhodium Credit Card?

Cashback earned with the Utkarsh Rhodium Credit Card is directly credited against your upcoming billing statement.

Is the Utkarsh Rhodium Credit Card available against a Fixed Deposit?

Yes, the Utkarsh Rhodium Credit Card can be issued against a Fixed Deposit for eligible customers, helping to build credit.

Utkarsh Small Finance Bank

Utkarsh Small Finance Bank Rhodium Credit Card

TravelPremium

Last updated: 8 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

First-Year Free (annual fee waiver)

Rewards Rate

Flat 1.25% cashback on all eligible transactions

Reward Type

Cashback

Reward Redemption

Cashback is directly credited against the upcoming billing statement

Domestic Lounge Access

Complimentary access to select domestic airport lounges, 4 times/quarter (16 visits annually)

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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