Utkarsh Small Finance BankRuPay Network

Verified

Direct Bank Application via Official Issuer Portal

UPI / RuPay Secured / FD Backed

4.2/5 Editorial Score

Utkarsh Small Finance Bank superCard Credit Card

Everyday Retail Rewards Credit Card with 5X Dining Points & RuPay UPI Support

Best Suited For

Dining out, weekend grocery and departmental shopping, zero-annual-fee entry, and RuPay UPI payments.

UPI / RuPay Secured / FD Backed

Joining Fee

Free

One-time upfront

Annual Fee

Free

Lifetime Free — no renewal fee

Base Rewards

5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

Apply Now Compare Card Official Terms

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.2/5 Editorial Score

The Utkarsh Small Finance Bank superCard Credit Card is an accessible, value-packed retail credit offering from one of India's fast-growing small finance banks. Issued with promotional zero joining and annual fees on the RuPay network, the card is designed to deliver rewarding everyday spends for budget-conscious consumers and salaried individuals across Tier-2 and Tier-3 cities. Cardholders earn 5X reward points on dining establishments and departmental store purchases, alongside 2 points per ₹100 on standard offline and online spends. Its RuPay engine makes it instantly compatible with UPI payment apps, providing a simple way to earn rewards on routine neighborhood Kirana purchases. Furthermore, cardholders receive 1% fuel surcharge waiver on transactions across all domestic filling stations. Who should consider it: Consumers in non-metro and metro locations looking for a low-cost, easy-to-approve RuPay credit card with generous dining points. Who should avoid it: Frequent travelers who require airport lounge access or low-forex cross-border shopping privileges.

Ideal For:Dining out, weekend grocery and departmental shopping, zero-annual-fee entry, and RuPay UPI payments.

UPI / RuPay Secured / FD Backed

Card Strengths

Lifetime Free Promotional Offer: Enjoy zero joining fee and zero annual renewal fee with promotional Lifetime Free membership.
5X Points on Dining & Groceries: Earn 5X reward points on restaurant dining and supermarket departmental store purchases.
RuPay UPI Payments: Seamlessly link to any UPI payment app for instant contactless QR payments at neighborhood shops.
High Base Rewards: Earn a solid base reward rate of 2 Reward Points per ₹100 on standard retail spending.
1% Fuel Surcharge Waiver: Complimentary 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.

Things to Keep in Mind

No Complimentary Lounges: Does not include complimentary domestic or international airport lounge visits.
Tier-2/3 Focused Bank Network: Branch presence and dedicated relationship desks are centered primarily in North/Central India.
Standard 3.50% Forex Markup: Standard 3.50% foreign currency markup makes overseas purchases non-optimal.
Category Caps: Monthly accelerated point accumulation is subject to category-specific caps.

Additional Cardholder Privileges

Rewards

5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions

Welcome

Welcome Benefit 1

None

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: super.money Cashback Program
Reward Currency: Cashback
Base Earn Rate: 5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions
Redemption Method: Automatic statement credit or checkout discount

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Partner Merchant Spends (Myntra)	5% instant cashback on Myntra via super.money app	No Cap	Standard terms apply
Flipkart & super.money UPI	2% cashback on Flipkart and UPI merchant QR payments via super.money	No Cap	Standard terms apply
Other UPI & Retail Spends	1% cashback on all other eligible merchant transactions	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

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Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Partner Merchant Spends (Myntra)5.00%

No published cap

₹

Flipkart & super.money UPI2.00%

No published cap

₹

Other UPI & Retail Spends1.00%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Partner Merchant Spends (Myntra)	₹6,000	5% instant cashback on Myntra via super.money app	—	None	Calculating...	Under cap
Flipkart & super.money UPI	₹6,000	2% cashback on Flipkart and UPI merchant QR payments via super.money	—	None	Calculating...	Under cap
Other UPI & Retail Spends	₹18,000	1% cashback on all other eligible merchant transactions	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

₹0

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds (fee waived).

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): Free
Annual / Renewal Fee (2nd Year Onwards): Free
Annual Spend Fee Waiver: Lifetime Free — no renewal fee
Fee Terms Notes: Co-branded with super.money on RuPay UPI; Lifetime Free (₹0 joining and annual fees); up to 5% cashback on partner merchants via super.money app

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 0.29% per month
Annualized Interest Rate (APR): 3.49% p.a.
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Eligibility: 100% Guaranteed approval against Utkarsh Small Finance Bank Fixed Deposit (min ₹2,000 via super.money app). No income documentation or prior credit score required. Open to Indian residents aged 18+ with PAN and Aadhaar. • Joining & Annual Fee: ₹0 (Promotional Lifetime Free / First Year Free; standard ₹499 waived on spending ₹50,000 annually). • Accelerated Rewards: 5X Reward Points on Dining and Departmental Store shopping. • Base Rewards: 2 Reward Points per ₹100 spent on all other retail categories. • RuPay UPI Integration: Link to PhonePe, Google Pay, Paytm, or BHIM for direct merchant QR payments. • Fuel Surcharge: 1% fuel surcharge waiver for spends between ₹400 and ₹4,000 (maximum waiver ₹150 per statement cycle). • Exclusions: Fuel purchases, cash withdrawals, and wallet reloads do not earn reward points.

Is the Annual Fee Worth It?

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Eligibility & Application Requirements

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.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding Utkarsh Small Finance Bank superCard Credit Card application, fees, reward redemption, and eligibility

Is the Utkarsh superCard Credit Card lifetime free?

Yes, Utkarsh Small Finance Bank currently issues the superCard under a promotional Lifetime Free (LTF) offer with zero joining fee and zero recurring annual charges.

Can I link Utkarsh superCard to UPI apps?

Yes, because it operates on the RuPay network, you can easily link your Utkarsh superCard to BHIM, Google Pay, PhonePe, or Paytm for merchant QR payments.

What reward rate does the Utkarsh superCard offer?

The card offers 5X Reward Points on dining and departmental store shopping, and 2 Reward Points per ₹100 on other eligible retail spends.

Does the Utkarsh superCard offer airport lounge access?

No, the superCard does not offer airport lounge access. For lounge privileges, consider the Utkarsh Eternal or Rhodium card variants.

What is the joining and annual renewal fee for Utkarsh Small Finance Bank superCard Credit Card?

The joining fee for Utkarsh Small Finance Bank superCard Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on Utkarsh Small Finance Bank superCard Credit Card be waived?

Utkarsh Small Finance Bank superCard Credit Card is a Lifetime Free credit card with no annual renewal fee, so no spend-based waiver is required.

What are the primary rewards and cashback earn rates on Utkarsh Small Finance Bank superCard Credit Card?

Utkarsh Small Finance Bank superCard Credit Card offers 5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does Utkarsh Small Finance Bank superCard Credit Card offer complimentary airport lounge access?

No, Utkarsh Small Finance Bank superCard Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.