All cards / Utkarsh Small Finance Bank
Utkarsh Rhodium Credit Card
Utkarsh's top-tier Rhodium card leads with generous domestic lounge access (up to 16 visits/year) for a small finance bank card, aimed at its more affluent customers.
Annual fee
₹4,999
Joining fee
₹0
Reward type
points
Base reward rate
1.25%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.25% base rate
- Domestic lounge access: Up to 4 complimentary domestic airport lounge visits per quarter (up to 16 per year) — unusually generous for a small finance bank card.
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- ✈️ Travel
Up to 4 complimentary domestic airport lounge visits per quarter (up to 16 per year)
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹66,667
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹5,00,000
- Foreign currency markup: 3%
Benefits
- Up to 4 complimentary domestic airport lounge visits per quarter (up to 16 per year)
- Exclusive lifestyle privileges under Utkarsh's premium banking program
Pros
- + Unusually generous domestic lounge access for an SFB card (up to 16 visits/year)
- + Premium lifestyle positioning
Cons
- − Exact forex markup and full reward structure not clearly disclosed
- − Higher joining/annual fee than Utkarsh's other cards