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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.
Rates and fees last verified 14 September 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Online shopping5%
Eligibility
- 0
- Employment: salaried, self-employed
- Age: 18–70
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
Applying takes you to Utkarsh Small Finance Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.