All cards / Utkarsh Small Finance Bank
Utkarsh Eternal Credit Card
Utkarsh Eternal keeps things simple with a flat 1.25% cashback on all eligible spends rather than rotating bonus categories.
Annual fee
₹1,999
Joining fee
₹0
Reward type
cashback
Base reward rate
1.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.25% base rate
Benefits by category
- ⛽ Fuel
Fuel surcharge waiver on eligible transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: Fuel surcharge waiver on eligible transactions at fuel stations.
Benefits
- 1.25% flat cashback on all eligible transactions
- Fuel surcharge waiver on eligible transactions
Pros
- + Simple flat 1.25% cashback — no category tracking needed
- + Modest, waivable annual fee
Cons
- − No accelerated categories for big-ticket spend areas
- − Lacks lounge access or premium travel perks