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Utkarsh Small Finance Bank
entry
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Wish
RuPayUtkarsh Small Finance Bank • RuPay• Entry
Annual Fee
Free
Base Reward Rate
1.00%
Foreign Tx Fee
3.5%
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
₹5,280
Blended 0.85% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Lifetime free secured credit card co-branded with PhonePe; issued against a fixed deposit as low as Rs 2,000. Reward points apply only to transactions of Rs 100 or more. Interest 3% per month (36% annually). Cash advance 5% or Rs 25, whichever is higher. Many categories excluded from rewards (government, rent, wallet loads, gold/jewellery, insurance, fuel, education, EMI, etc.).