Flagship SFB Lifestyle Credit Card with Domestic Lounge Access & Dining Rewards
Utkarsh SFB depositors and aspiring cardholders looking for premium airport lounge access, golf privileges, and dining multipliers at a modest fee.
Free
One-time upfront₹1,999
Waived on ₹2 lakh annual spend1.25% Cashback on Eligible Spends
On eligible spends3.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Utkarsh Small Finance Bank Eternal Credit Card is a sophisticated lifestyle credit card that demonstrates how small finance banks are competing directly with traditional private lenders. Priced at a competitive annual fee of ₹1,999 plus GST (with ₹0 joining fee), it delivers high-end lifestyle benefits rarely seen in the SFB segment. Cardholders enjoy 2 complimentary domestic airport lounge visits per calendar quarter (8 visits annually) across primary Indian terminals, making it an accessible gateway to premium airport comfort. Dining and entertainment spends receive 5X accelerated reward points, translating into a healthy 2.5% to 3.0% effective reward yield. With complimentary golf privileges, comprehensive personal accidental insurance cover, and an annual fee waiver upon spending ₹2,00,000, the Utkarsh Eternal Credit Card stands out as an impressive lifestyle and travel card.
1.25% Cashback on Eligible Spends
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| All Retail Spends | 1.25% direct cashback on all eligible retail transactions | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| All Retail Spends | ₹30,000 | 1.25% direct cashback on all eligible retail transactions | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Salaried and self-employed individuals with relationship with Utkarsh SFB; minimum age 21 years. • Joining & Annual Fee: ₹0 joining fee; ₹1,999 + GST annual renewal fee waived on annual retail spending of ₹2,00,000. • Airport Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per calendar year). • Dining Rewards: 5X accelerated reward points on dining and food delivery spends at restaurants. • Everyday Spends: 2 reward points per ₹100 spent on all other retail transactions. • Golf Privileges: Complimentary golf games and coaching sessions per quarter at participating championship courses. • Insurance Benefits: Comprehensive personal accidental insurance cover of ₹15,00,000 and air accident cover of ₹50,00,000. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all fuel pumps across India.
Evaluate whether this card's perks and waiver threshold justify its ₹1,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Utkarsh Small Finance Bank Eternal Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Utkarsh Small Finance Bank portal with paperless verification.
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