How do I save my credit card from scammers or fraudsters?

To keep your credit card protected against scammers, maintain caution while sharing any credit card details such as OTP, CVV, card expiry date, etc. Regularly check your credit card activities and contact the bank’s customer support if you spot suspicious activities.

Is there an option to change my credit card due dates at Utkarsh Bank?

Yes, Utkarsh Bank offers you the flexibility to change the due dates of your credit card payment. You need to contact the customer care of the bank and state your reason for the due date modification. After the changes are applied, you will be provided with a new due date for the upcoming billing cycles.

How do I activate my newly received credit card from Utkarsh Bank?

Activating a Utkarsh Small Finance Bank Credit Card is easy. You can activate it online by visiting the Utkarsh Bank credit card activation portal. You can activate your credit card using mobile banking or internet banking. Simply set up your credit card PIN, and you'll be ready to make your first transaction.

Utkarsh Small Finance Bank Credit Card in 2025

Name: Utkarsh Small Finance Bank Credit Card
Brand: Cards
Rating: 4.7 (14809 reviews)

Utkarsh Small Finance Bank, incorporated in 2016, is a renowned banking service provider offering banking and other financial services. It focuses on providing microfinance in underbanked or unbanked parts of rural India.

Utkarsh Bank provides essential banking services like savings and current accounts, affordable loans, fixed deposits, etc. Among its offerings is the Utkarsh Small Finance Bank Credit Card, which comes with an interest rate ranging from 2.5% to 3.6% per month.

At Stable Money, you can also look for credit card options. You can avail yourself of your secured credit card. Just log in to our app, book an FD and get your credit card without a credit score.

A Brief on Utkarsh Bank Credit Cards

Utkarsh Bank offers credit cards that can effectively meet your financial needs and diverse lifestyles. Whether you are a regular shopper, a traveller or using a credit card for the first time, the bank offers a card tailored to your needs.

Currently, the bank is offering four types of credit cards. If you are looking for a credit card for your needs, you can choose one from Eternal, SmartGen, Rhodium and SuperCard Credit Cards. If you do not have a good credit score, you can apply for any of these cards by keeping your FDs as collateral.

Types of Utkarsh Small Finance Bank Credit Card

In the table below, find the different types of credit cards by Utkarsh Bank and their applicable fees:

Utkarsh Eternal Credit Card

Here are the features of the Eternal card by Utkarsh Bank and their applicable fees:

This card is suitable for regular shoppers to get more reward points on every purchase.
You will get 1.25% cashback on every eligible purchase.
You can also enjoy a 1% discount for fuel surcharges (You will get a discount for fuel transactions between ₹400 and ₹5000).
There is no applicable joining fee or annual fee for the first year.
With zero service fees, this card waives ₹1999 of the annual fee on ₹1.5 lakhs of spending on the card.

Utkarsh Rhodium Credit Card

This card is best suited for travellers as they can enjoy access to airport lounges with this card. Following are the other exclusive perks and benefits that you can enjoy with this card:

You do not need to pay any joining fee, and there are no annual fees for the first year.
However, you need to pay an annual charge of ₹4999 from the second year of card activation.
If you spend ₹5 lakhs or more on this card, the bank waives the annual charges.
With this card, you will get 1.25% cashback on eligible purchases and a 1% discount on fuel surcharges.
You do not need to pay any service charges for a Rhodium credit card.

Utkarsh SmartGen Credit Card

The SmartGen Credit Card is another Utkarsh Small Finance Bank Credit Card variant. Best suited for first-time card users or students, this offers an easy-to-use payment solution for a seamless experience:

You do not need to pay joining fees or annual charges for the first year.
After the first year, only ₹199 is charged as an annual card fee by the bank.
With this card, you get a waiver of annual fees after ₹50,000 of expenditure.
You will get 1% cashback on eligible shopping and a 1% discount for fuel surcharges.
You do not need to pay any service charge for this type of card by Utkarsh Bank.

SuperCard Credit Card

Utkarsh Bank’s SuperCard credit card enhances your online shopping experience with attractive rewards. If you are a regular online shopper, enjoy the following benefits:

Get a SuperCard with zero joining fees and annual fees.
SuperCard users also get 0.5% cashback on transactions made by this card (Only non-UPI).
Shop on Flipkart and Myntra and get 5% and 2% cashback on non-upi purchases with this card.
Book your favourite travel destination from Cleartrip and get 3% cashback for all non-UPI transactions.

Did you know that with Stable Money, you can secure a credit card against your Fixed Deposits? Download the Stable Money app today, book an FD offering up to 9.10% interest, and get your secured credit card without needing a credit score.

Start enjoying all the benefits of a credit card today!

Benefits of Utkarsh Small Finance Bank Credit Card

Take a look at the benefits of having a Utkarsh Bank Credit Card:

Secured Credit Cards: Utkarsh Bank issues credit cards against your FDs. You can obtain a credit card without a credit score by securing it with a minimum ₹25,000 FD account. The interest rate for this secured credit card is 2.5% per month.
Unsecured Credit Cards: If you meet the credit score required by the bank, you get an unsecured credit card. The interest rate for an unsecured credit card can be as high as 3.6% per month.
Benefits to Travel: With the Rhodium credit card, you can get access to airport lounges up to 4 times within a year.
No joining Fees: Utkarsh Bank offer all the cards without any joining fees and annual maintenance costs for the first year.
Cashback: With Utkarsh Bank, you will get assured cashback on eligible purchases on any type of card you hold.

Credit cards offer guaranteed cashback and rewards that can boost your savings, while Fixed Deposits provide secure returns for your finances. With Stable money, book your first FD from our partner banks at a maximum interest rate of 9.10%. Plus, women investors get an additional 0.10% on their FD interest.

Eligibility Criteria to Get a Utkarsh Small Finance Bank Credit Card

Find the eligibility criteria before applying for a Utkarsh Bank Credit Card:

Age Requirement: To get an unsecured credit card, you must be between 21 and 65 years old. However, an individual between the age of 18 and 65 years can apply for an FD-backed card.
Residency: Utkarsh Bank offers credit cards for Indian residents only. You need a valid address in India to get this card.
Documents: For documentation, ensure that your KYC documents like PAN card and Aadhaar Card information, are updated.
Application Process: Eligible customers of Utkarsh Bank will receive a link for a credit card application on their registered email ID. Note that for FD-backed cards, you need to have an FD account with Utkarsh Bank.

With Stable Money, you can also complete a quick KYC verification process and get your first FD. Our partner banks require you to have your PAN card ready for a video KYC. Finish the KYC in just minutes and start earning higher returns than other FD providers in 2025.