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Utkarsh Small Finance Bank
Utkarsh Wish Credit Card
FD-backed
Rewards
1st Year Fee: ₹ 0
Rewards
3% RPs on UPI spends
No Fee
Lifetime free credit card
Shopping
1% RPs on partner brands
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About Utkarsh Wish Credit Card
Utkarsh Wish Credit Card is available in both secured and unsecured variants. The secured version is issued against a fixed deposit and offers a credit limit of up to 90% of the deposit amount, making it a suitable option for consumers who are looking to build or improve their credit history. The card does not charge any joining or annual fee. It offers 3% reward points on eligible UPI transactions made through the PhonePe app, including spends at selected online partner brands and offline merchants using Scan & Pay. Cardholders can also earn an additional 200 reward points on meeting a monthly spending milestone.
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
Reward Benefits1
- 3% reward points on UPI spends via PhonePe app, capped at 150 RPs every month2
- 1% reward points on UPI spends via PhonePe app on partner brands like Amazon, Flipkart, Myntra, Ajio, Nykaa, Swiggy, Zomato, District, Urban Company, capped at 200 RPs per month
- 1% reward points on all eligible offline merchants using Scan & pay via Phonepe, capped at 150 RPs every month
Milestone Benefits
- Additional 200 reward points on spending Rs. 15,000 or more in a statement month across any transaction mode; these points will be available for use after a 30-day hold period from the date they are credited
Other Feature and Benefit
- Lifetime free credit card
- 90% of your deposit amount as your credit limit
Utkarsh Wish Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 3% p.m. (36% p.a.) |
| Late Payment Fee | 10% of outstanding amount (TAD less any payments received by the payment due date), capped at Rs. 1,250 |
Things to Know Before you apply
Get this card if:
You shop often on Amazon, Flipkart, Myntra, Ajio, Nykaa, Swiggy, Zomato, District, Urban Company and want to earn reward points
You are looking for a lifetime free credit card that offers basic lifestyle benefits
You are PhonePe loyalist and use it for day-to-day payments
Other Similar Cards
Paisabazaar Review
What do we like about this card?
Utkarsh Wish is a credit card available in secured and unsecured variants. The secured version is linked to a fixed deposit and can give a credit limit of up to 90% of the FD amount. It is mainly suitable for people who are new to credit, have no credit history, or have a low credit score and want to build or repair their credit profile. This card offers 3% reward points on UPI spends, 1% reward points on partner brands via PhonePe. Overall, this card is a decent option for consumers who want a credit card with basic reward benefits.
Pros
- 3% reward points on UPI spends via PhonePe app
- Lifetime free credit card
- 1% reward points on all eligible offline merchants
Cons
- 1% reward points on UPI spends via PhonePe app on partner brands only
- No travel benefits such as airport lounge visits or low forex markup fee
Footnotes
- Cashback is only applicable on spends where transaction amount is greater than or equal to Rs. 100.
- Govt-related transactions, agriculture/contractor services MCCs, rent payments/ wallet loads/gift or prepaid card loads/voucher purchase, gold/jewellery, insurance/post office/transit/utilities, education, fuel, cash advances, payment of outstanding balances, payment of card fees and other charges, all types of EMI transactions (EasyEMI/SmartEMI, Dial -an- EMI etc).
Click here to know More Terms and Conditions
Samridhi Srivastava
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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