customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Get the App
get-the-app-mobile
Download the
Paisabazaar app Today!

Get instant access to loans, credit cards, and financial tools — all in one place

get-the-app-qr

Scan to download on

play-app-store
Paisabazaar Logo
customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Offers on Paisabazaar are only from Credit Institutions regulated by the RBI
meter

Utkarsh SuperMoney RuPay Credit Card

Home Utkarsh Bank Utkarsh SuperMoney RuPay Credit Card

Utkarsh SuperMoney RuPay Credit Card is a secured credit card designed for consumers who want to start their credit journey, backed by a fixed deposit starting from just Rs. 500. This lifetime free card offers decent cashback benefits on UPI payments, online spends, and popular platforms like Myntra and Flipkart. With no joining or annual fee and a credit limit of up to 90% of the FD amount, this card is a suitable choice for consumers who are not eligible for an unsecured credit card.

Check Pre-Approved Credit Cards
for you in Just One Click

  • 100+ Credit Cards from Top Banks

  • Compare Best Offers

  • Completely Digital Process

Digits Only

Error: This is invalid mobile number

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
Error: Please accept the undertaking to proceed further
×

Exclusive Pre-Approved Cards waiting for you

  • 100+ Credit Cards from Top Banks

  • Compare Best Offers

  • Completely Digital Process

Error: Please enter a valid number

Updated: 10-02-2026 12:57:49 PM

 

Key Highlights of Utkarsh SuperMoney RuPay Credit Card
Card Type Secured Credit Card (Backed by FD)
Annual Fee Nil
Minimum FD Amount Min. Rs. 500
Credit Limit Up to 90% of the FD amount
Cashback Benefit 5% cashback on Myntra & 2% cashback on Flipkart

​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.

On this page
Utkarsh SuperMoney RuPay Credit Card: Features & Benefits
Utkarsh SuperMoney RuPay Credit Card: Fees & Charges
Should You Apply for Utkarsh SuperMoney RuPay Credit Card
Other Similar Cards
FAQs

Utkarsh SuperMoney RuPay Credit Card: Features & Benefits

  • 5% cashback on Myntra for transactions above Rs. 100, capped at Rs. 500 per cycle
  • 2% cashback on Flipkart for transactions above Rs. 100, capped at Rs. 500 per cycle
  • 1% cashback on UPI transactions above Rs. 100, capped at Rs. 500 per cycle
  • 1% cashback on non-UPI transactions above Rs. 100, capped at Rs. 10,000 per cycle
  • No joining or annual fee
  • Fixed deposit starting from Rs. 500 
  • Credit limit of up to 90% of the FD amount

Suggested Read: Best RuPay Credit Cards | Best RuPay Credit Cards for Beginners

Utkarsh SuperMoney RuPay Credit Card: Fees & Charges

Type of Fee/ Charge Fee Amount
Joining Fee Nil
Annual Fee Nil
Finance Charges 3% p.m. (36% p.a.)
Late Payment Fee
  • Nil, if the credit limit is under Rs 100
  • 5% of TAD applies to limits under Rs 2,000
  • 10% of TAD (up to Rs 1,250) applies for limits of Rs 2,000 or more

Should You Apply for Utkarsh SuperMoney RuPay Credit Card

Utkarsh SuperMoney RuPay is a secured credit card backed by a fixed deposit starting from Rs. 500, with no joining or annual fees. The card offers accelerated cashback on top brands, such as 5% on Myntra and 2% on Flipkart, making it a suitable option for online shopping. Besides this, cardholders can earn 1% cashback on other UPI and non-UPI transactions. This lifetime free credit card is a suitable choice for consumers who are new to credit and want to earn cashback on their day-to-day spends.

Consider Utkarsh SuperMoney RuPay Credit Card if: 

  • You are a first-time credit card consumer or want to build/improve your credit score
  • You frequently use UPI payments and want cashback on day-to-day spends
  • You prefer a lifetime-free credit card with no joining or annual fees

Consider Other Options If:

  • You are looking for an unsecured credit card without FD backing
  • You are seeking a rewards credit card that offers higher reward points
  • You want travel benefits like complimentary lounge access and more

Other Similar Cards

AU NOMO Credit Card
au-nomo-credit-card
3/5

Joining fee: ₹199

Annual/Renewal Fee: ₹0

Low forex markup fee of 0.99%

2 Reward Points per Rs. 100 on retail purchases

Rewards
Check Eligibility

Product Details

  • 500 Reward Points on retail spends of Rs. 25,000 in a quarter
  • Additional 500 Reward Points on retail spends of Rs. 50,000 in a quarter
  • 2 complimentary railway lounge access per quarter
Know More

IDFC FIRST EARN Credit Card
idfc-first-earn-credit-card
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

Up to 8% bonus cashback on travel spends

1% cashback on UPI spends via IDFC FIRST Bank mobile app

Movies
Cashback
Check Eligibility

Product Details

  • 4% bonus cashback on all flight bookings via ‘Travel and Shop’
  • 8% bonus cashback on all hotel bookings via ‘Travel and Shop’
  • 25% off (Up to Rs. 100) on movie tickets, per month, on District by Zomato
Know More

SBM ZET Credit Card
zet-credit-card
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

5% cashback on Amazon/Flipkart vouchers; 2% on UPI spends

Up to 20% off on Zomato, BookMyShow, Swiggy and Instamart

Cashback
Online Shopping
Check Eligibility

Product Details

  • Up to 15% cashback on 80+ brands, like Dominos, PVR, Nykaa, Cleartrip, etc.
  • Up to 7% interest on SBM Bank fixed deposit worth min. Rs. 2,000
  • Lifetime-free secured credit card on RuPay network
Know More

Kotak811 DreamDifferent Credit Card
811-dreamdifferent-credit-card
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

4 reward points per Rs. 100 spent online

Rs. 1,000 bonus voucher on Rs. 72,000 annual spends

Rewards
Online Shopping
Check Eligibility

Product Details

  • 1 reward point per Rs. 100 spent offline
  • 3 months OTTPlay subscription and Rs. 250 Woohoo voucher as welcome benefit
  • Fuel and railway surcharge waivers of up to Rs. 3,500 and Rs. 500 respectively every year
  • Lifetime-free secured card offered against fixed deposit of min. Rs. 10,000
  • Online card application process without any documentation
Know More

Federal SimpliFi Fi Credit Card
simplifi-fi-credit-card
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

3x rewards on every weekend spends

Up to 20% off on popular brands like Zomato, District by Zomato& BookMyShow on weekends

Shopping
Rewards
Check Eligibility

Product Details

  • Earn interest of up to 6.7% p.a.
  • 3x rewards on every weekend spends
  • 2 Fi-coins on all weekdays spends
  • Up to 20% off on popular brands on weekends
Know More

FAQs

What is Utkarsh SuperMoney RuPay Credit Card?
Utkarsh SuperMoney is a lifetime free RuPay Credit Card designed for first-time credit consumers, backed by a fixed deposit starting from Rs. 500. It offers cashback on brands like Myntra and Flipkart along with other UPI and online transactions. 

What is the credit limit offered on Utkarsh SuperMoney RuPay Card?
The credit limit for the Utkarsh SuperMoney RuPay Credit Card is linked to the fixed deposit used as collateral. You can get up to 90% of your FD amount as the credit limit.

What cashback benefits does the card offer?
Utkarsh SuperMoney RuPay offers 1% cashback on UPI and non-UPI transactions, 2% on Flipkart, and 5% on Myntra.

Are there any fees associated with this card?
Utkarsh SuperMoney RuPay Credit Card has no joining or annual fees and is lifetime free. Standard charges include a finance charge of 3% per month on unpaid balances and late payment fees if bills are not cleared by the due date.

Who is eligible to apply for this card?
This card is suitable for first-time credit card consumers or individuals looking to build or improve their credit score. Applicants must be willing to open a fixed deposit as collateral, and eligibility is determined based on age, income, and credit profile.

meter
Menu