Utkarsh SmartGen Credit Card

Apply for the best credit card of Utkarsh Small Finance Bank

Last updated:28-Dec-24 Writen by Narendra User Profile
Utkarsh SmartGen Credit Card
  • Best suitable for: Rupay
  • Joining Fee: ₹ NIL + GST
  • Annual Fee: ₹ 199 + GST + GST
  • Welcome Benefits: Not Aplicable
Utkarsh SmartGen Credit Card

Utkarsh SmartGen Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ NIL
Annual/Renewal Fee:₹ 199 + GST
Finance Charges:Up to 3% per month [equivalent to 36% annual percentage rate]
Spend Based Waiver:If annual spends on card is Rs 50,000/ or above in the preceding year
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 500/-
Rent Payment charges1% Processing fee transaction amount
Forex Charges:3.0% of the transaction value
Minimum Repayment Amount:10% of Total outstanding + All charges/fees/taxes + EMI
Cheque Return Fees:2.5% of the value of the returned payment (subject to a minimum of Rs. 500
Late Payment Charges:Late payment fee is Rs. 500/-

Utkarsh SmartGen Credit Card: Eligibility & Documentation

Eligibility:-
Has to be an Indian Resident, Unsecured Credit Card: 21 to 65 years, For our existing customers who are holding an active Current Account, Savings Account, FD Account & Loan Account.

Documentation:- Aadhaar card, Passport, PAN card as your Identity proof
Any Utility bill, Passport, or Voter ID as your address proof
Salary slips, bank statements, or IT returns as your income proof

Utkarsh SmartGen Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 5% of cash withdrawn or Rs.500/- Minimum
Cash Advance Withdrwan Limit: 20% of the card limit
Cash Payment at Bank Branch: NIL

Utkarsh SmartGen Credit Card: Customer care and helpline

Customer care : 1800-309-3665
Email Address : [email protected]
Mailing Address: Utkarsh Tower, NH-31(Airport Road), Sehmalpur, Kazi Sarai, Harhua, Varanasi, PIN – 221105, Uttar Pradesh

Card replacement fee: Rs 500 + GST

Rewards Redemption Fee: NIL

Domestic lounge: NA

International Lounge: NA

Fuel Surcharge:1% off on Fuel surcharge (refunded for transaction between Rs 400 to Rs 5000)

FAQ of Utkarsh SmartGen Credit Card

Q1. What is the annual fee of Utkarsh SmartGen Credit Card?
The Annual fees of Utkarsh SmartGen Credit Card is 199 + GST. And there is Joining fees is NIL.

Q2. What is the interest rate on the Utkarsh SmartGen Credit Card?
The Utkarsh SmartGen Credit Card has an interest rate of Up to 3% per month [equivalent to 36% annual percentage rate]

Q3. Are there foreign transaction fees on the Utkarsh SmartGen Credit Card?
Yes, The Utkarsh SmartGen Credit Card charges a 3.0% fee for all transactions in foreign currency .

Q4. What is the credit limit of Utkarsh SmartGen Credit Card?
The credit limit for the Utkarsh SmartGen Credit Card is based on multiple factors, such as your income, repaying capacity, and credit history. Utkarsh Small Finance Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Utkarsh Small Finance Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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