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Utkarsh SmartGen Credit Card
Utkarsh's entry-level SmartGen card targets first-time cardholders and students with no joining fee and simple 1% cashback on shopping.
Annual fee
₹199
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
1% reward rate
- ⛽ Fuel
1% fuel surcharge discount at fuel stations
- 🌍 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 ₹50,000
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge discount at fuel stations on eligible transactions.
Benefits
- 1% fuel surcharge discount at fuel stations
- 1% cashback on eligible shopping spends
Pros
- + No joining fee — an easy first-card option
- + 1% cashback on eligible shopping
- + Fuel surcharge discount
Cons
- − Flat, unexciting reward rate
- − Few disclosed premium benefits