Joining Fee:
FREE
Return Percentage:0.5% to 1.5%
Credit Card Overview
A SmartGen card from Utkarsh tailored for young professionals, providing cashback on online shopping, utilities, and dining with milestone bonuses and digital-first benefits.
Best Suited For: Cashback
Utkarsh Bank
Fees and charges at a glance
- Annual fee
- ₹199
- Joining fee
- Free
- Reward rate
- 0.5% to 1.5%
- Forex markup
- 3%
- Interest rate
- 43.2% p.a.
- Add-on card
- Free
Charged every year you keep the card
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Utkarsh Bank SmartGen credit card — Earn Categories
Everyday rate
- Base Rewards1 Cashback / ₹100
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Transportation & Tolls
- Education
- Government
- Utilities
- Wallets
- Insurance
- Travel
- Fuel