All cards / Utkarsh Small Finance Bank
Utkarsh Small Finance Bank
Utkarsh Rhodium Credit Card
Visa
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹1,999
Joining fee
₹1,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
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
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