Joining Fee:
FREE
Return Percentage:NA
Credit Card Overview
The PhonePe Wish Credit Card is an FD-backed, lifetime-free RuPay card designed for beginners who want easy access to credit while earning interest on their fixed deposit. It offers simple rewards on everyday spends, including PhonePe bill payments, recharges, and UPI Scan & Pay. Overall, it’s a low-risk way to build credit with steady monthly benefits.
Best Suited For:
Utkarsh Bank
Fees and charges at a glance
- Annual fee
- Free
- Joining fee
- Free
Nothing to pay each year
No cost to get the card
Utkarsh Bank Wish (FD) credit card — Earn Categories
Everyday rate
- Base Rewards1 Cashback / ₹100
1 more earning category on this card
We track all 2 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.