Utkarsh Bank Eternal credit card credit card
Joining Fee:

FREE

Return Percentage:

0.5% to 1.5%

Credit Card Overview

An Eternal card from Utkarsh Bank delivering lifestyle rewards, milestone bonuses, partner discounts, and easy redemption options, designed for modern digitally-savvy spenders.

Best Suited For: Cashback

Utkarsh Bank logoUtkarsh BankVisa

Fees and charges at a glance

Annual fee
₹1,999

Charged every year you keep the card

Joining fee
Free

No cost to get the card

Reward rate
0.5% to 1.5%

Depends where you spend

Forex markup
3%

Extra charge on foreign spends

Interest rate
36% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

Utkarsh Bank Eternal credit card — Earn Categories

Everyday rate

  • Base Rewards1.3 Cashback / ₹100

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Government
  • Trains
  • Transportation & Tolls
  • Utilities
  • Wallets
  • Insurance
  • Education
  • Fuel