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1st Year Fee: ₹ 0
Cashback
1.25% cashback on all other spends
Travel
Low foreign excghnage markup fee of 3%
Fuel
Save up to Rs. 5,200 on fuel every year
Author: Samridhi Srivastava
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Utkarsh Eternal Credit Card is available in both secured and unsecured variants. Cardholders who are not eligible for the unsecured card can apply for the secured version by opening a fixed deposit of Rs. 25,000. The card offers 1.25% cashback on eligible spends and charges a forex markup fee of 3% on international transactions. It also offers fuel surcharge benefits that can help cardholders save on fuel costs over time. However, aside from these features, the card offers few additional benefits or lifestyle perks. Overall, it is a basic credit card suitable for those looking to start their credit journey.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit Utkarsh Small Finance Bank’s website.
Cashback Benefit
Travel Benefit
Fuel surcharge waiver
Other Feature and Benefit
| Particulars | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs. 1,999 + Taxes |
| Finance Charges | 3% p.m. (36% p.a.) |
| Late Payment Fee | Rs. 500, along with interest payable on the remaining outstanding card balance |
You are new-to-credit and want to earn cashback on your daily spends
You are not eligible for an unsecured credit card, and you want to start your journey with a basic secured credit card
You want to avail a low forex markup fee card for your international spends
You want to save on your fuel spends
Cashback2.5/5
Fuel Benefits2.5/5
Lounge Access2.5/5
Utkarsh Eternal Credit Card is offered in both secured and unsecured variants. The card offers 1.25% cashback on eligible spends, a 3% forex markup fee, and a 1% fuel surcharge waiver on fuel transactions. However, its benefits are limited compared to many competing cards. Overall, it is best suited for first-time credit card cardholders and those looking to build their credit history.
Everything you need to know about this credit card
The card is available in both secured and unsecured variants. Applicants who do not meet the eligibility criteria for an unsecured credit card may be able to get the secured version by opening a fixed deposit of Rs. 25,000, subject to the bank\\\'s terms and approval process.
The card offers 1.25% cashback on eligible spends. However, not all transactions may qualify for cashback. Categories such as fuel purchases, cash withdrawals, balance transfers, or other excluded transactions may not earn rewards.
The card can be used for international transactions and carries a forex markup fee of 3% on foreign currency spends.
Cardholders can get a 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000. The maximum benefit is capped at Rs. 400. Fuel purchases below or above the eligible transaction range may not qualify for the surcharge waiver benefit.
Click here to know More Terms and Conditions
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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