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Image of Utkarsh SuperMoney RuPay Credit Card
Utkarsh Small Finance Bank

Utkarsh SuperMoney RuPay Credit Card

cat name Fd-backed
cat name Online Shopping
3.5/5.0

Rewards3.5/5

Shopping3.5/5

Know More
Paisabazaar Review

1st Year Fee: ₹ 0

Cashback

Cashback

1% cashback on UPI transactions

No Fee

No Fee

Lifetime free RuPay credit card

Shopping

Shopping

Up to 5% cashback on Myntra

Updated on May 21, 2026 12:16 pm

Author: Samridhi Srivastava

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  • Home /
  • Credit Card /
  • Utkarsh Bank Credit Card /
  • Utkarsh SuperMoney RuPay Credit Card
    • About The CardKey Features and BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About 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.

    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.

    Key Features and Benefits

    Cashback 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

    Other Features and Benefits

    • No joining or annual fees
    • Fixed deposit starting from Rs. 500
    • Credit limit of up to 90% of the FD amount
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    Utkarsh SuperMoney RuPay Credit Card: Fees & Charges

    Particulars Amount
    Joining Fee Nil
    Annual Fee Nil
    Finance Charges 3% p.m. (36% p.a.)
    Late Payment Fee
    For Statement Balance:
    Nil, when credit limit below Rs. 100
    5% of TAD, when credit limit below Rs. 2,000
    10% of TAD, capped at Rs. 1250 when limit is equal to or above Rs. 2,000

    Things to Know Before you apply

    Get this 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

    You frequently shop via myntra and Flipkart and want to save on your expenses

    Other Similar Cards

    Paisabazaar Review

    Overall Rating

    3.5/5

    Rewards3.5/5

    Shopping3.5/5

    What do we like about this 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.

    Pros

    • Up to 5% off on Myntra, Flipkart, and UPI transactions
    • Lifetime free credit card
    • Comes with a min. FD amount of Rs. 500

    Cons

    • Does not offer any travel benefits
    • Cashback is capped at Rs. 500 per month
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    Frequently Asked Questions

    Everything you need to know about this credit card

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

    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.

    Utkarsh SuperMoney RuPay offers 1% cashback on UPI and non-UPI transactions, 2% on Flipkart, and 5% on Myntra.

    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.

    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.

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    Need More Help?

    Leave a comment or ask a question!

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    Footnotes

    1. No cashback on govt payments, rent/wallet loads, gold/jewellery, insurance & utilities, education, fuel, cash advances, bill/fee payments, and EMI transactions.

    Click here to know More Terms and Conditions

    Samridhi Srivastava linkedIn icon

    Content Writer

    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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