Utkarsh Small Finance Bank Credit Card

card image
Utkarsh Eternal Credit Card
  • Best suitable for: Cashback
  • Joining Fee: ₹ Free
  • Annual Fee: ₹ 1999 + GST
  • Welcome Benefits: Not Aplicable
Read More
card image
Utkarsh Rhodium Credit Cards
  • Best suitable for: Lifestyle
  • Joining Fee: ₹ Free
  • Annual Fee: ₹ 4999 + GST
  • Welcome Benefits: Not Aplicable
Read More
card image
Utkarsh SmartGen Credit Card
  • Best suitable for: Rupay
  • Joining Fee: ₹ NIL
  • Annual Fee: ₹ 199 + GST
  • Welcome Benefits: Not Aplicable
Read More
card image
Utkarsh SuperCard Credit Cards
  • Best suitable for: Rupay
  • Joining Fee: ₹ Lifetime Free
  • Annual Fee: ₹ Lifetime Free
  • Welcome Benefits: Not Aplicable
Read More

Utkarsh Small Finance Bank Credit Card – Features, Benefits, Apply Online | BankCliq

Utkarsh Small Finance Bank, one of India’s growing small finance banks, has introduced its credit card services to empower individuals with secure, digital-first, and reward-oriented credit solutions. Whether you are a salaried professional, entrepreneur, or new to credit, Utkarsh Credit Cards offer simple yet valuable benefits suited for India’s diverse spending needs.
On BankCliq.com, you can explore, compare, and apply online for the right Utkarsh credit card in just a few steps.

🚀 Why Choose Utkarsh Bank Credit Card?

Utkarsh Bank’s credit card portfolio is designed for mass inclusion, meaning you get access to credit even if you’re from Tier 2, Tier 3, or rural regions. The focus is on affordability, essential features, and a secure digital experience.

Key Benefits:

  • UPI-linked RuPay credit card functionality

  • No hidden charges or processing fees

  • Reward points on all purchases

  • Spend-based annual fee waiver

  • SmartEMI above 2000/- Amount, contactless payments & fraud protection

Utkarsh Bank Credit Card Eligibility Criteria

For Salaried Individuals
  • Age: 21 to 60 years
  • Minimum monthly income: ₹15,000+
  • Good credit score (670+ recommended)
  • Existing Utkarsh A/C ( Preferred but not mandatory)
For Self-Employed Individuals
  • Age: 21 to 65 years
  • Minimum annual income: ₹6 lakh+
  • Stable income proof and credit history
Criteria may vary for different cards. Use our instant eligibility checker to know your options.

Documents Required

  • PAN Card

    Mandatory for all applications

  • Address Proof

    Aadhaar card, Passport, or Voter ID

  • Income Proof

    Salary slip, ITR, or bank statements (last 3 months)

  • Photograph

    Passport-size photograph

Upload documents online through our paperless application process.

FAQ on Utkarsh Small Finance Bank Credit Card

1. Is the Utkarsh Bank credit card lifetime free?

No, the standard card has a ₹500 annual fee, but it’s waived on spending ₹50,000/year. However, limited-time promotions may offer lifetime-free cards.

2. Can I use Utkarsh credit card for UPI payments?

Yes! The RuPay variant supports UPI, so you can link it to apps like PhonePe, Paytm, BHIM, and use credit like a debit card.

3. How do I access airport lounges?

The Utkarsh RuPay Select credit card offers 2 complimentary domestic lounge accesses per quarter. You may need to meet minimum spend thresholds to activate this benefit.

4. How can I increase my credit limit?

After 6 months of usage, you can request for limit enhancement via app or by contacting customer support. Final approval depends on your credit performance.

5. What is the credit limit on Utkarsh Bank credit cards?

Utkarsh Bank credit card limits start between ₹10,000 and ₹10 lakh for new cardholders. Your exact initial limit is based on your income and credit profile.

6. Is this Utkarsh Bank credit card accepted internationally?

Only Visa-based Utkarsh cards support global usage. RuPay credit cards are largely domestic, with limited international access via Discover or JCB networks.

7. How do I contact Utkarsh credit card customer care?

You can contact Utkarsh credit card customer care by calling their 24x7 toll-free number: 1800-103-1222 or by using the Utkarsh mobile app for support and card management. You can enable and disable features of card payments.

Ready to Apply for Your Utkarsh Bank Credit Card?

Compare all cards, check eligibility, and apply online in minutes with our secure platform.

Credit Cards by Bank
Credit Cards by Category