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Utkarsh Small Finance BankUtkarsh Small Finance Bank

Utkarsh Small Finance Bank Eternal Credit Card

ShoppingLifestyleFuel
Welcome offerNo intro offer
Annual fee
₹ 1,999
Reward rate
1.25% cashback on all eligible transactions, 1% fuel surcharge waiver
Credit score
650+
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Free to apply via CardGuruji · subject to issuer approval

Utkarsh Small Finance Bank Eternal Credit Card
MastercardRuPay
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

1.25% cashback on all eligible transactions, 1% fuel surcharge waiver

Cashback is credited as statement credit; no cap on total cashback per month. Earn 1.25% on all spends and an additional 1% fuel surcharge waiver on fuel purchases.

Reward currency
Cashback
Card network
Mastercard · RuPay
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 1.25% cashback on all spends

  • 1% fuel surcharge waiver

  • Zero joining fee

  • Annual fee waiver on spend > ₹1.5 Lakh per year

  • Contactless payments

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Flat 1.25% cashback on all spends

  • Fuel surcharge waiver

  • Zero joining fee

What to watch out for

  • Annual fee ₹1,999 after first year

  • Cashback capped at ₹5,000 per month

  • No complimentary lounge access

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹1,999Charged every year from the second year

Other charges

Applied only when the situation arises

Foreign currency markup
3.5% of transaction value
Late payment
₹500 to ₹1,500 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month (42% p.a.)
Cash advance
3.5% per month (42% p.a.)

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Utkarsh Small Finance Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

650+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Utkarsh Small Finance Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Utkarsh Small Finance Bank Eternal Credit Card

Everything you need to know about Utkarsh Small Finance Bank Eternal Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Utkarsh Small Finance Bank Eternal Credit Card is nominal, and the annual renewal fee is ₹1999 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Utkarsh Small Finance Bank Eternal Credit Card from Utkarsh Small Finance Bank, a CIBIL score of 650 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Utkarsh Small Finance Bank Eternal Credit Card is designed to reward everyday spends. It currently features: "No intro offer". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Utkarsh Small Finance Bank's rewards portal.

Utkarsh Small Finance Bank Eternal Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for Utkarsh Small Finance Bank Eternal Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.