Utkarsh Small Finance Bank Credit Cards
Explore top cards like the 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.
Read our full Utkarsh Small Finance Bank guide →
4 Cards Found
Utkarsh Small Finance Bank Eternal Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹1,999 + GST
Reward Type:
Cashback
Utkarsh Small Finance Bank Rhodium Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹4,999 + GST
Reward Type:
Cashback
Utkarsh Small Finance Bank SmartGen Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹199 + GST
Reward Type:
Cashback
Utkarsh Small Finance Bank superCard Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
Utkarsh Small Finance Bank Credit Cards - All Fee-Free, All Cashback
Utkarsh Small Finance Bank keeps its credit card range simple: four cards, all charging Nil joining and annual fee, and all earning cashback rather than reward points. The differences between them come down to reward rate, lounge access, and whether the card is FD-backed.
Everyday Cashback: Eternal and SmartGen
Utkarsh Small Finance Bank positions Eternal and SmartGen as simple, no-fee cashback cards for existing customers - both earn a flat 1.25% cashback with a 1% fuel surcharge waiver, without a premium travel layer.
Premium and FD-Backed Options
Rhodium adds complimentary domestic lounge access on top of the same 1.25% cashback rate, making it the pick for occasional flyers. The superCard takes a different route entirely - it's secured against a fixed deposit, which can make it easier to get approved, and rewards Myntra and Flipkart spends specifically at higher rates.
Utkarsh Credit Cards Compared
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| Utkarsh Small Finance Bank Eternal Credit Card | Free (1st year) | Cashback | 1.25% flat — 1% fuel surcharge waiver |
| Utkarsh Small Finance Bank SmartGen Credit Card | Free (1st year) | Cashback | 1.25% flat — 1% fuel surcharge waiver |
| Utkarsh Small Finance Bank Rhodium Credit Card | Free (1st year) | Cashback | 1.25% flat — Domestic airport lounge access |
| Utkarsh Small Finance Bank superCard Credit Card | Lifetime Free | Cashback | Up to 5% (Myntra), 2% (Flipkart), 1% others — FD-backed, digital-first |
How to Choose
Every Utkarsh card is genuinely fee-free
All four Utkarsh Small Finance Bank credit cards - Eternal, Rhodium, SmartGen, and superCard - charge Nil joining and annual fee, so there's no spend-based waiver math to plan around.
All four earn cashback, not points
Utkarsh doesn't run a reward-points ecosystem across this range - every card earns straightforward cashback, which is simpler to track and redeem than a points catalogue.
Rhodium is the premium tier, with lounge access
Eternal and SmartGen both offer a flat 1.25% cashback and a 1% fuel surcharge waiver for existing Utkarsh customers. Rhodium matches the 1.25% cashback rate but adds complimentary domestic airport lounge access as its premium differentiator.
superCard suits digital-first, FD-backed applicants
The Utkarsh superCard is FD-backed and digital-first, with category boosts like 5% cashback on Myntra and 2% on Flipkart - a different mechanism from the other three, useful if you'd rather secure a card against a fixed deposit than apply on income alone.