Utkarsh SmartGen Credit Card

Apply for the best credit card of Utkarsh Small Finance Bank

Last updated:25-Jul-24
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

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.
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Cash Advance or Withdrwan Fee: 5% of cash withdrawn or Rs.500/- Minimum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

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)

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