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

The Utkarsh SmartGen Credit Card offers a flat 1% cashback on eligible transactions and is available in both secured and unsecured variants, making it ideal for credit building.

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

No, the Utkarsh SmartGen Credit Card comes with no joining fee, making it a first-year free product.

How can I waive the annual fee for the Utkarsh SmartGen Credit Card?

The annual fee for your Utkarsh SmartGen Credit Card can be waived if you spend ₹50,000 or more in the preceding anniversary year.

What is the cashback rate on the Utkarsh SmartGen Credit Card?

Cardholders earn a flat 1% cashback on all eligible transactions made with their Utkarsh SmartGen Credit Card.

Does the Utkarsh SmartGen Credit Card offer lounge access?

No, the Utkarsh SmartGen Credit Card currently does not provide complimentary domestic or international airport lounge access.

Can I get the Utkarsh SmartGen Credit Card if I am not an existing customer?

No, the Utkarsh SmartGen Credit Card is exclusively available to existing Utkarsh Small Finance Bank customers with an active account.

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

The foreign currency markup on the Utkarsh SmartGen Credit Card is 3% for international transactions.

How do I activate my Utkarsh SmartGen Credit Card?

You can activate your Utkarsh SmartGen Credit Card and generate your Green PIN by visiting the Credit Card portal at https://creditcards.utkarsh.bank and following the on-screen instructions.

What are the interest rates for the Utkarsh SmartGen Credit Card?

The interest rate is up to 3.6% per month (43.2% APR) for unsecured cards and 2.5% per month (30% APR) for FD-backed Utkarsh SmartGen Credit Cards.

What are the fuel surcharge benefits with the Utkarsh SmartGen Credit Card?

You can enjoy a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000 with your Utkarsh SmartGen Credit Card.

Utkarsh Small Finance Bank

Utkarsh Small Finance Bank SmartGen Credit Card

ShoppingFuel

Last updated: 8 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn a flat 1% cashback on all eligible transactions.

Reward Type

Cashback

Reward Redemption

The cashback accumulated will be adjusted against the cardholder's upcoming billing statement.

Domestic Lounge Access

Not Applicable

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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