Utkarsh Small Finance Bank Eternal Credit Card VS Utkarsh Small Finance Bank SmartGen Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Utkarsh Small Finance Bank Eternal Credit Card
Utkarsh Small Finance Bank SmartGen Credit Card
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.
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.
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 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.