All cards / Utkarsh Small Finance Bank
Utkarsh Small Finance Bank
Utkarsh Eternal Credit Card
RuPay
Utkarsh Eternal Credit Card
Utkarsh Eternal keeps things simple with a flat 1.25% cashback on all eligible spends rather than rotating bonus categories.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹0
Reward type
cashback
Base reward rate
1.25%
Card network
RuPay
Card tier
Entry
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
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