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Utkarsh Small Finance Bank
entry
•••• •••• •••• 0000
SmartGen
Utkarsh Small Finance Bank • MasterCard• Entry
Annual Fee
₹199
Base Reward Rate
1.00%
Foreign Tx Fee
3%
Tier
Entry
Joining Fee
Free
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹5,880
Blended 0.94% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
First-year-free card; ₹199+GST annual fee from year 2. Available in both secured (FD-backed) and unsecured variants. Offered only to existing Utkarsh customers via pre-approved link. No lounge access, no welcome benefits. Cash advance 5% or ₹500 whichever higher. Interest up to 3.6%/month unsecured, 2.5%/month FD-backed.