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Utkarsh Small Finance Bank
Utkarsh SuperCard RuPay Credit Card
RuPay
Utkarsh SuperCard RuPay Credit Card
A lifetime-free, FD-secured RuPay credit card from Utkarsh Small Finance Bank aimed at students, first-time credit users, and anyone building a credit history without income proof.
Annual fee
₹0
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. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Foreign currency markup: 3.5%
Benefits
- FD-backed secured card; minimum FD of ₹500, credit limit up to 90% of FD value, no income proof needed
- Up to 5% cashback on select partner brands (e.g. Myntra), 2% on select e-commerce, 1% on UPI and other spends
Pros
- + Zero joining and annual fee
- + Very low minimum FD requirement (₹500)
- + No income proof required
- + Builds CIBIL score
Cons
- − Requires locking funds in an FD
- − Standard 3.5% forex markup
- − Credit limit capped by FD value
Best for