Utkarsh Bank RuPay JCB SmartGen Credit Card | Flat 1% Cashback:
Utkarsh Small Finance Bank RuPay SmartGen Credit Card brings simplicity to your everyday financial needs. With straightforward features and easy-to-use methods, it is designed to handle your transactions smoothly and effortlessly. Discover how SmartGen can streamline your spending by exploring the benefits and features below.
Features and Benefits
Eligibility
How to Apply
Documents required
No additional documents are required
Limits and Charges
| Annual Fees | No Annual Fee for 1st year. 2nd year onwards ₹199 + Taxes - Fee waiver when ₹ 50 thousand is spent during the previous year. |
| Joining Fees | No joining fee |
| Interest Free Period | Upto 50 days |
| Late Payment Fees | ₹500/- in addition to the interest payable on the outstanding credit card amount |
| Service Charge | NIL |
| Finance Charge [APR] | Up to 3.6% per month (equivalent to 43.2% annual percentage rate). Same rate is applied for overdue balances. a. Revolving Credit b. Cash Advances c. Overdue Interest d. Charges in case of default |
| Cash Withdrawal Limit | Upto 20% |
| Overlimit Fees | ₹ 500/- |
| Cash Advance Fees | Cash advance 5% or ₹ 500, whichever is higher |
| Card Replacement Fee | ₹ 500/- |
| Cash Advance Fees | Cash advance 5% or Rs. 500, whichever is higher |
| Goods & Services Tax | 18% on fees/charges & interest |
| Physical Statement | ₹50/- per statement |
| E-statements | NIL |
hmmm now i am thinking how to get this card
but i dont want bank account with them
so how about this?
1) first apply FD via online portal
2) after successful FD, can we get this card offer?
how is this plan?? will it work? anyone wanna try?
VU+ for awareness of this credit card to more users:)
1%. Unlimited cashback or what. Is there any capping
Bank acc kaise open hoga? 1st step me hi clean bold.. no bank acc with them
MAB in Utkarsh Small Finance Bank is 5K for a standard savings account and RuPay Platinum debit card issuance and annual charges ₹295 (₹250+GST) so ₹900 profit per year and plenty via 1% if we get the credit card 
Time to get one
Here - https://www.utkarsh.bank/personal/savings-a...nt
or here - https://www.utkarsh.bank/xsite/assests/pdf/Savi...
@Sidhi.Baat.No.Bakwas
Since Flipkart SuperMoney's card is also going to be from Utkarsh Bank and is the unsecured one is likely to have a higher return rate, better to wait and see until it launches before getting this basic one. In co-branded cards, discount can be higher because both - the bank and the company invest into the rewards.
I thought to open FD just for this card , but its not allowing to complete my online KYC and proceed further because of name mismatch in PAN and aadhaar
now i am stuck i can't try this basic card grrrrr
well now my only chance is to wait for SuperMoney card
For Supermoney ard clicked join wait list but it seems like eternity to wait and see when it launches
MAB in Utkarsh Small Finance Bank is 5K for a standard savings account and RuPay Platinum debit card issuance and annual charges ₹295 (₹250+GST) so ₹900 profit per year and plenty via 1% if we get the credit card
Time to get one
Since Flipkart SuperMoney's card is also going to be from Utkarsh Bank and is the unsecured one is likely to have a higher return rate, better to wait and see until it launches before getting this basic one. In co-branded cards, discount can be higher because both - the bank and the company invest into the rewards.