Utkarsh Small Finance Bank Eternal Credit Card VS Utkarsh Small Finance Bank Rhodium Credit Card VS Utkarsh Small Finance Bank SmartGen Credit Card VS Utkarsh Small Finance Bank superCard Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Utkarsh Small Finance Bank Eternal Credit Card
Utkarsh Small Finance Bank Rhodium Credit Card
Utkarsh Small Finance Bank SmartGen Credit Card
Utkarsh Small Finance Bank superCard Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
No joining fee and first-year annual fee waiver make the card accessible.
Annual fee waived for subsequent years with a reasonable ₹1.5 lakhs annual spend.
Flat 1.25% cashback on all eligible transactions for consistent savings.
Benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5000.
Option for an FD-backed credit card helps build or improve credit history effectively.
Pros
Key benefits and features.
Earn a generous flat 1.25% cashback on all eligible transactions with this card.
Enjoy complimentary domestic airport lounge access up to 4 times per quarter.
Annual fee is easily waived by spending ₹5 lakhs or more in the previous year.
Offers a unique option to obtain a credit card against a fixed deposit.
Benefit from a 1% fuel surcharge waiver on transactions between ₹400-₹5000.
Pros
Key benefits and features.
No joining fee and first-year annual fee waiver make it a cost-effective choice.
Earn a competitive flat 1.25% cashback on all eligible transactions.
Benefit from a useful 1% fuel surcharge waiver on transactions up to ₹5000.
Offers an FD-backed option, providing 100% of the FD as credit limit for building credit.
Enjoy a generous interest-free period of up to 50 days on your purchases.
Pros
Key benefits and features.
Excellent for building or improving credit history due to its FD-backed nature and zero annual fees.
Earn high cashback: 5% on Myntra and 2% on Flipkart, plus 1% on all other UPI/non-UPI spends.
Enjoy free cash withdrawals at Utkarsh Bank ATMs and seamless digital management via the super.money app.
Instant virtual card activation allows immediate use for online transactions.
Cons
Key drawbacks and limitations.
High finance charge (APR) of up to 36% per annum if balances are revolved.
Steep cash advance fees: 5% of amount or ₹500, whichever is higher.
Incur a late payment fee of ₹500 in addition to interest on outstanding dues.
An overlimit fee of ₹500 is charged if you exceed your credit limit.
A card replacement fee of ₹500 applies if your Utkarsh Eternal card is lost or damaged.
Cons
Key drawbacks and limitations.
High foreign currency markup of 3% makes international spending expensive.
Eligibility requires being an existing customer of Utkarsh Small Finance Bank.
A significant annual fee of ₹4999 applies from the second year if waiver criteria are not met.
Cash advance fees are quite high, at 5% of the amount or a minimum of ₹500.
Limited specific benefits for categories like dining, movies, or travel beyond lounges.
Cons
Key drawbacks and limitations.
High Annual Percentage Rate (APR) of up to 43.2% p.a. on revolving credit.
Significant late payment and cash advance fees can quickly add up.
Cash withdrawal limit is restricted to only 20% of the overall credit limit.
Limited specific rewards or lifestyle benefits beyond general cashback.
Cons
Key drawbacks and limitations.
High finance charges of up to 3% per month (36% APR) apply if you revolve your credit balance.
A fee of ₹249 plus taxes is charged for obtaining a physical card.
No option to apply for add-on cards, limiting usage for family members.
Personal details like name or mobile number cannot be changed post-application.
Card becomes inactive if unused for 30 days, requiring reactivation to avoid closure.