Utkarsh Rhodium Credit Card

The card may be offered in both secured and unsecured variants. In the secured version, an FD of Rs. 25,000 is required and acts as collateral for the credit limit. Eligibility for the unsecured variant depends on the bank’s assessment of the applicant’s profile and creditworthiness.

Cardholders can earn 1.25% cashback on eligible spends made using the card. However, certain transactions, such as fuel purchases, cash withdrawals, EMI conversions, or other excluded categories, may not qualify. It is advisable to review the card’s terms and conditions to understand eligible cashback categories.

Yes, the card can be used for international transactions. However, a foreign currency markup fee of 3% is charged on overseas purchases and payments made in foreign currencies. 

The card offers a 1% fuel surcharge waiver on fuel transactions ranging between Rs. 400 and Rs. 5,000. The maximum waiver that can be availed is capped at Rs. 400. 

The annual fee can be waived if the cardholder spends at least Rs. 5 lakh during the card anniversary year. If the spending threshold is not met, the annual fee of Rs. 4,999 plus applicable taxes will be charged as per the card’s fee structure.