Super-Premium Mastercard World Card with Unlimited Domestic Lounge Access
High-net-worth banking customers of Utkarsh SFB desiring unlimited airport lounge access, complimentary golf sessions, and bespoke luxury concierge assistance.
Free
One-time upfront₹4,999
Waived on ₹5 lakh annual spend1.25% Cashback on Eligible Spends
On eligible spends16 Domestic visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Utkarsh Small Finance Bank Rhodium Credit Card is the crown jewel of Utkarsh SFB's credit card lineup, built on the prestigious Mastercard World platform. Crafted for high-net-worth individuals, business founders, and senior executives, it establishes new standards for luxury benefits in the small finance banking domain. Cardholders receive unlimited complimentary domestic airport lounge access across India, alongside complimentary international lounge visits powered by Priority Pass. International travel is further enhanced by 5X reward points on foreign transactions, luxury hotel privileges, and round-the-clock Mastercard World concierge service. Priced at an annual fee of ₹4,999 plus GST (with ₹0 joining fee), the fee is waived on annual spending of ₹5,00,000. For affluent patrons seeking comprehensive luxury travel protection and golf perks, the Rhodium card is an elite financial companion.
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-₹4,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: High-net-worth salaried or self-employed individuals with premier Utkarsh SFB relationship; minimum age 21 years. • Joining & Annual Fee: ₹0 joining fee; ₹4,999 + GST annual renewal fee waived on annual retail spending of ₹5,00,000. • Domestic Airport Lounges: Unlimited complimentary domestic airport lounge access across participating Indian airport terminals. • International Lounges: Complimentary Priority Pass membership with 4 international airport lounge visits per year. • Accelerated Rewards: 5X reward points on international spends, luxury dining, and travel airline/hotel bookings. • Golf Privileges: Complimentary green fee access and golf coaching sessions at premier championship golf courses. • Comprehensive Insurance: Personal accidental death cover of ₹25,00,000 and air accident insurance coverage up to ₹1 Crore. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across all fuel outlets.
Evaluate whether this card's perks and waiver threshold justify its ₹4,999 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 Rhodium 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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