Utkarsh SmartGen Credit Card
Apply for the best credit card of Utkarsh Small Finance Bank
Welcome Benefits
- Not Aplicable
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 charges | 1% Processing fee transaction amount |
| Forex Charges: | 3.49% of the transaction value |
| Minimum Repayment Amount: | 5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI |
| Cheque Return Fees: | 2% of Total Amount Due or Minimum of 500 whichever is higher |
Eligibility criteria
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.
Document Requirements
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
Other Information
Frequently Asked Questions
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.
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]
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 .
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.
Card other Details
Utkarsh SmartGen Credit Card Credit Limit: Up to ₹10 Lakh