Utkarsh Bank Credit Card

The Utkarsh Eternal Credit Card is designed to offer both simplicity and rewarding benefits. It features an attractive cashback program that turns every eligible transaction into real savings. With no joining fee and an annual fee waiver upon reaching a spending threshold, this card is perfect for those who want value without compromising on premium perks. Enjoy exclusive benefits like fuel surcharge discounts, making it a top choice for Indian residents seeking both practicality and rewards.

Features and Benefits of Utkarsh Eternal Credit Card

The benefits and features of Utkarsh Eternal Credit Card are as follows:

1. Cashback Rewards: Earn 1.25% cashback on all eligible transactions, turning your everyday expenses into savings that add up over time.
2. No Joining Fee & First-Year Fee Waiver: Enjoy the card without any initial costs, as it comes with no joining fee. The first year is completely free, making it an attractive introductory offer.
3. Annual Fee Waiver Conditions: From the second year onwards, a fee of Rs.1999 applies; however, this fee is waived if your annual spending reaches Rs.1.5 lakhs, ensuring that high spenders are rewarded.
4. Additional Discounts: A 1% discount on fuel surcharges is available for transactions between Rs.400 and Rs.5000, which can result in significant savings for regular commuters or frequent travellers.
5. Lifestyle Benefits: The card is designed to complement a dynamic lifestyle, offering exclusive deals and offers that align with modern consumer needs. These benefits not only reduce daily expenses but also add value through carefully selected partnerships and promotions.

Eligibility of Utkarsh Eternal Credit Card

To be eligible for the Utkarsh Eternal Credit Card, the following criteria must be met:

1. The card is exclusively available to Indian residents.
2. Unsecured Credit Card: Applicants should be between 21 and 65 years of age.
3. FD Backed Credit Card: Applicants must be between 18 and 65 years of age.
4. Applicants are required to hold an active Current Account, Savings Account, FD Account, or Loan Account with the bank. This ensures that the card is offered to individuals who have an established relationship with the institution.
5. It is imperative that your Know Your Customer (KYC) details are up to date with the bank. Eligible customers will receive a pre-approved or pre-qualified credit card link via their registered email address, streamlining the application process.

Fees and Charges of Utkarsh Eternal Credit Card

The fees and charges associated with Utkarsh Eternal Credit Card are:

Utkarsh Rhodium Credit Card

The Utkarsh Rhodium Credit Card delivers excellence in living. This card offers premium lifestyle privileges and rewarding cashback on every swipe. Enjoy no joining fee and a free first year. From year two, the annual fee of Rs.4999 is waived if you spend Rs.5 lakhs or more. Ideal for those seeking luxury and value.

Features and Benefits of Utkarsh Rhodium Credit Card

The features and benefits of Utkarsh Rhodium Credit Card are:

1. Cashback Rewards: Earn 1.25% cashback on all eligible transactions.
2. No Joining Fee & Free First Year: Start with no joining fee and enjoy no fee for the first year.
3. Annual Fee Waiver: Pay Rs.4999 from the second year only if you do not meet the Rs.5 lakhs spend.
4. Complimentary Lounge Access: Enjoy up to four free lounge visits at select domestic airports every quarter.
5. Fuel Surcharge Discount: Get a 1% discount on fuel surcharges for transactions between Rs.400 and Rs.5000.
6. Exclusive Lifestyle Perks: Designed to elevate your everyday living with premium benefits.

Eligibility of Utkarsh Rhodium Credit Card

The eligibility criteria for applying for Utkarsh Rhodium Credit Card are:

1. Residency: Available only for Indian residents.
2. Age Limits:
3. Unsecured Credit Card: 21 to 65 years.
4. FD Backed Credit Card: 18 to 65 years.
5. Banking Relationship: Must hold an active Current, Savings, FD, or Loan Account.
6. KYC Requirement: Ensure your KYC details are updated.
7. Eligible customers receive a pre-approved link via their registered email.

Fees and Charges of Utkarsh Rhodium Credit Card

The fees and charges associated with Utkarsh Rhodium Credit Card are:

Utkarsh SmartGen Credit Card

The Utkarsh SmartGen Credit Card makes everyday spending simple. It offers straightforward features for smooth transactions. With no joining fee and a free first year, this card puts smart choices at your fingertips. Enjoy a fee waiver when you spend Rs.50,000 in a year. Perfect for those seeking simplicity and value.

Features and Benefits of Utkarsh SmartGen Credit Card

The key benefits and features of Utkarsh SmartGen Credit Card are as follows:

1. 1% Cashback: Earn 1% on every eligible transaction.
2. No Joining Fee & Free First Year: Start with zero joining fee and enjoy the first year free.
3. Annual Fee Waiver: Pay Rs.199 + taxes from the second year, waived with Rs.50,000 annual spend.
4. Fuel Surcharge Refund: Get a 1% refund on fuel surcharges for transactions between Rs.400 and Rs.5000.
5. Smooth Transactions: Designed for ease, making your spending effortless.

Eligibility of Utkarsh SmartGen Credit Card

The eligibility criteria for Utkarsh SmartGen Credit Card are as follows:

1. Residency: Only available for Indian residents.
2. Age Limits:
3. Unsecured Credit Card: 21 to 65 years.
4. FD Backed Credit Card: 18 to 65 years.
5. Banking Relationship: Must hold an active Current, Savings, FD, or Loan Account.
6. KYC Requirement: Keep your KYC updated.
7. Eligible customers will receive a pre-approved link via their registered email.

Fees and Charges of Utkarsh SmartGen Credit Card

The fees and charges associated with Utkarsh SmartGen Credit Card are:

How to Activate Your Utkarsh SmartGen Credit Card & Generate Green PIN

To comply with RBI guidelines, you must activate your Utkarsh SmartGen Credit Card within 30 days of issuance to prevent automatic closure. Follow these step-by-step instructions to activate your card and set up your Green PIN for secure transactions.

Step-by-Step Activation Process

1. Step 1: Visit the Utkarsh Credit Card Portal: Open your web browser and go to the official Utkarsh Credit Card Activation Portal by clicking the following link: Utkarsh Credit Card Portal
2. Step 2: Log in to Your Account: Enter your registered email ID and the password you used while applying for the credit card. If you forgot your password, click on 'Forgot Password' and enter your registered email ID to receive an OTP. Enter the OTP received on your email and reset your password by following the instructions.
3. Step 3: Locate Your Credit Card: Once logged in, navigate to the 'Cards' page to view your credit card details. Identify your Utkarsh SmartGen Credit Card by checking the last four digits of the card number.
4. Step 4: Initiate the Activation Process: Click on the 'Activate' button to begin the activation process. The system will now guide you through a series of security steps for verification.
5. Step 5: Complete the Verification Process: Follow the on-screen instructions to complete the three-step verification process:
   1. Card Verification: Confirm your card details as required.
   2. Set Up a Security PIN (Green PIN): Choose a 4-digit PIN for secure transactions.
   3. Customer Verification via OTP: Enter the OTP sent to your registered mobile number to complete the verification.

1. Step 6: Set Up Transaction Channels: Configure the transaction channels you want to enable, such as:
   1. POS (Point of Sale) transactions for swiping at retail stores.
   2. ATM withdrawals if you wish to use your credit card at ATMs.
   3. Online transactions for e-commerce purchases.
   4. Contactless payments (tap-and-pay) if supported by your card.
2. Step 7: Activation Successful: Once all steps are completed, you will receive a confirmation message stating that your Utkarsh SmartGen Credit Card is successfully activated. Your card is now ready for transactions across all enabled channels.

Note: Ensure your registered mobile number and email ID are active to receive OTPs. If you face any issues during activation, contact Utkarsh Small Finance Bank Customer Support. Always keep your Green PIN secure and do not share it with anyone.

Utkarsh superCard

The Utkarsh superCard is a digital game changer. It integrates seamlessly with your online lifestyle and rewards you for every spend. With zero annual and joining fees, it delivers smart, hassle-free rewards. Apply easily via the Supermoney app and enjoy exclusive benefits.

Features and Benefits of Utkarsh superCard

The major features and benefits of Utkarsh superCard are:

1. No Fees: Enjoy no annual or joining fees.
2. Merchant Cashback: Earn 5% on Myntra, 3% on Cleartrip, and 2% on Flipkart (for non-UPI spends).
3. General Cashback: Receive 0.5% cashback on all non-UPI transactions for customers with valid PAN, mobile, and email.
4. Digital Experience: A smooth, do-it-yourself journey through the Supermoney app makes application quick and easy.

Eligibility of Utkarsh superCard

The eligibility criteria are as follows:

1. Residency: Only available for Indian residents.
2. Age Limit: 18 and above (FD Backed Credit Card).
3. Application: Apply directly via the Supermoney app.
4. KYC Requirement: Ensure your KYC details are updated for seamless processing.

Fees and Charges of Utkarsh superCard

The fees and charges associated with Utkarsh superCard Credit Card are:

Activating the Virtual SuperCard

• Download and install the Supermoney app from the Play Store or App Store (if not already installed).
• Complete the onboarding process, including identity verification and any required documentation.
• Once onboarding is successful, the Virtual SuperCard will be generated automatically.
• You will receive an active Virtual SuperCard within a few minutes in the app.
• You can start using the Virtual SuperCard immediately for online transactions.

Setting Up the SuperCard PIN

To generate or change the PIN for your SuperCard:

• Open the Supermoney app and log in.
• Navigate to the SuperCard section.
• Select the 'Generate/Change PIN' option.
• Enter the required details and create a secure 4-digit PIN.
• Confirm the PIN to complete the setup.

Setting Up SuperCard for UPI Payments

To enable UPI transactions with your SuperCard:

• Open the Supermoney app and go to the UPI setup section.
• Choose your SuperCard as the preferred payment method.
• Link your registered mobile number and verify via OTP.
• Set a UPI PIN for secure transactions.
• Your SuperCard is now ready for UPI payments.

Contact Details

You can contact Utkarsh Small Finance Bank for any queries, service requests, or grievances through multiple communication channels. The bank offers dedicated customer support through phone, email, and online platforms to ensure a seamless banking experience. Whether you require assistance with account-related services, loan inquiries, digital banking, or card-related issues, the bank’s support team is available to help.

1. Registered Office Address: If you need to submit physical documents or require direct assistance related to official matters, you can contact the registered office. This office serves as the central administrative hub, managing the bank’s core operations, regulatory compliance, and customer service functions.

You can visit the bank’s registered office or send official correspondence to the following address:

Utkarsh Small Finance Bank Limited

Utkarsh Tower, NH-31 (Airport Road)

Sehmalpur, Kazi Sarai, Harhua

Varanasi, Uttar Pradesh - 221105

2. Contact Numbers: You can reach out to Utkarsh Small Finance Bank through the following phone numbers for prompt assistance:

General Enquiries- These numbers are available during business hours and can be used for inquiries related to banking services, account management, branch information, and other general banking needs.

1. 0542-6134000
2. 0542-6135000

Toll-Free Helpline: This toll-free helpline ensures that customers across India can reach the bank without incurring call charges.

1. 1800 123 9878

You can call this toll-free number for assistance with:

1. Account-related queries, including balance information and transaction details
2. Digital banking support for mobile banking, internet banking, and UPI transactions
3. Loan services, including application procedures and eligibility requirements
4. Credit and debit card issues, such as lost or stolen cards, transaction failures, and new card applications
5. Complaints and grievance redressal for unresolved banking issues

3. Email Support: You can also contact Utkarsh Small Finance Bank via email for different types of queries and service requests. The bank has dedicated email addresses for specific concerns to ensure faster resolution.

For General Customer Support: customercare@utkarsh.bank

1. You can use this email to seek assistance with savings and current accounts, transactions, digital banking issues, and loan inquiries.
2. If you need help with resetting passwords, updating personal details, or addressing banking errors, this is the recommended point of contact.

For Corporate Communications and Business Inquiries: communications@utkarsh.bank

1. You can use this email to communicate regarding media-related inquiries, corporate tie-ups, investment opportunities, and other business-related matters.
2. The bank’s customer service team responds to emails within the standard resolution period. To ensure a quicker response, you can include your account number (if applicable), a detailed description of your query, and relevant supporting documents.

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