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1st Year Fee: ₹ 0
Cashback
1% cashback on all eligible spends
No Fee
No joining fee for the first year
Fuel
1% fuel surcharge waiver on fuel spends
Author: Shruti Sharma
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Utkarsh SmartGen Credit Card is a cashback credit card designed to offer straightforward savings on everyday spends. The card is available in both secured (FD-backed) and unsecured variants, with no joining fee and an annual fee of Rs. 199. Cardholders can earn 1% cashback on eligible transactions. In addition, the card offers basic benefits such as a fuel surcharge waiver and an annual fee waiver on achieving the spending milestone, making it a suitable option for first-time credit card users as well as those looking to build or improve their credit profile.
Note: This Card is not available on Paisabazaar. 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:
Fuel Benefit:
Other Benefits:
| Particulars | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs. 199 + Applicable Taxes |
| Finance Charges | 3.6% p.m. | 43.2% p.a. |
| Late Payment Charges | Rs. 500 |
You want a simple cashback credit card without complicated reward structure
You are looking for an FD-backed credit card to build or rebuild your credit history
You can spend Rs. 50,000 or more in a year to avail annual fee waiver
You frequently spend on everyday categories and prefer direct cashback over reward points
Age Requirement for Unsecured Variant: 21 to 65 years
Age Requirement for Secured Variant: 18 to 65 years
Cashback2.5/5
Fuel Benefits2.5/5
Instead of offering category-specific benefits, Utkarsh SmartGen Credit Card offers direct cashback on eligible spends, making it a suitable choice for consumers looking for straightforward savings. The availability of both secured and unsecured variants also makes it accessible to a wider range of consumers, including those new to credit. Overall, this is an entry-level credit card with basic benefits, primarily designed for everyday spending and credit-building purposes.
Everything you need to know about this credit card
Yes, Utkarsh SmartGen Credit Card is available in both secured (FD-backed) and unsecured variants. The secured version can be suitable for individuals with limited credit history or those looking to build their credit profile.
The card offers 1% cashback on eligible transactions. Cashback is credited as per the issuer\'s terms and conditions, subject to applicable exclusions.
Yes, the annual fee of Rs. 199 is waived if you spend Rs. 50,000 or more during the card anniversary year.
Yes, cardholders can avail a 1% fuel surcharge waiver on fuel transactions ranging between Rs. 400 and Rs. 5,000.
This card is best suited for beginners, budget-conscious users, and individuals looking for a simple cashback card or an FD-backed credit card to establish and improve their credit history.
Click here to know More Terms and Conditions
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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