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Utkarsh Small Finance Bank
Premium
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Rhodium
Utkarsh Small Finance Bank • MasterCard• Premium
Annual Fee
₹4,999
Base Reward Rate
1.25%
Foreign Tx Fee
3%
Tier
Premium
Joining Fee
Free
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
16 visits annually, 4 per quarter; no spend criteria. Guests charged. Mastercard/RuPay variants.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹7,350
Blended 1.18% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Network variants: Mastercard and RuPay. First-year free; renewal fee 4999+GST from year 2. No welcome benefits, no accelerated rewards, no international lounge. Interest up to 2%/month. Cash advance 5% or 500 whichever higher.