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Utkarsh Small Finance Bank
Utkarsh SmartGen Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
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
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