Utkarsh Eternal Credit Card

Particulars	Fees & Charges
Joining Fee	NIL
Annual Fees	Rs. 1999 from second year onwards (waived if Rs. 1.5 lakh is spent during the previous year)
Late Payment Fees	Rs. 500 in addition to the interest payable on the outstanding credit card amount
Interest Free Period	up to 50 days
Service Charge	NIL
Finance Charge [APR]	Up to 3% per month (equivalent to 36% annual percentage rate0 Same rate is applied for overdue balances.Revolving creditCash AdvancesOverdue InterestCharges in case of default
Cash Withdrawal Limit	up to 20%
Overlimit Fees	Rs. 500
Card Replacement Fee	Rs. 500
Cash Advance Fees	Cash advance 5% or Rs. 500, whichever is higher
Goods & Services Tax	18% on fees or charges & interest
Physical Statement	Rs. 50 per statement
E-Statements	NIL

Eligibility Criteria for the Utkarsh Eternal Credit Card

1. The Utkarsh Eternal Credit Card is available to individuals who are existing customers with an active Savings Account, Current Account, Fixed Deposit (FD) Account, or Loan Account.
2. The applicant must be a resident of India.
3. The Age Limit for Unsecured Credit Card: Between 21 years and 65 years
4. The Age Limit for FD-Backed Credit Card: Between 18 years and 65 years

How to Apply for the Utkarsh Eternal Credit Card

1. Customers who are eligible for the Utkarsh Eternal Credit Card will receive a Pre-Approved or Pre-Qualified Credit Card link on their registered email ID with the bank.
2. The latest KYC details of the customers must be up to date with the bank.

Steps to Activate Your Utkarsh Eternal Credit Card and Generate Green PIN

You can activate your Utkarsh Eternal Credit Card within 30 days of issuance to stop any closure as per the guidelines set by the RBI.

1. Step 1: Click on https://creditcards.utkarsh.bank/ to visit the official site.
2. Step 2: You can enter the email ID and password that was used during the credit card application.

In case you forgot your password, you can click on the "Forgot Password" option and enter your registered email ID, after which you will receive an OTP to reset the password.

1. Step 3: You can go to the Cards page and select your card. Use the last four digits of your card for identification.
2. Step 4: Then click on the "Activate" option to start the pre-activation verification process.
3. Step 5: Follow the process that appears on the screen:
4. Card Verification
5. Set Security PIN
6. Customer Verification (OTP-based)
7. Step 6: To complete the activation process, the applicant must set the transaction channels.
8. After finishing all the steps mentioned above, the applicant will finish the application process to activate their Utkarsh Eternal Credit Card and enjoy its benefits.

Dos and Don'ts to Secure Utkarsh Eternal Credit Card Usage

Dos

Don'ts

Set a unique combination of characters as a password for online transactions with your credit card. Be sure to memorise your Personal Identification Number (PIN) and keep updating it at certain intervals. Make sure to activate your card as soon as you receive it through the Credit Card Portal. Set the transaction limits for all domestic transaction channels like ECOM, POS, and ATM right after activation. Activate the international transaction channels only while travelling overseas or if required. Review your credit card transactions regularly by checking your credit card statements to identify and report any unauthorised transactions. In case you lose your credit card, or it gets stolen, make sure to report it immediately so that your card can be blocked. You can report the problem by calling 1800-309-3665 or sending an email to creditcards@utkarsh.bank.

Don't share your card details, like your credit card number, PIN, or CVV, with anyone over the phone or online. Don't allow others to use your card or enter your PIN. Don't set easily guessable passwords or PINs to avoid any mishaps. Avoid using birthdates or sequential numbers for PINs or passwords. Don't store your PINs or passwords on your phone or note it down in easily accessible places. Don't respond to SMS, emails, or calls requesting your personal information and card details, and it could be a phishing scam. Don't enter your credit card details on suspicious or unfamiliar websites.

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FAQs on Utkarsh Eternal Credit Card

• What are the key benefits of the Utkarsh Eternal Credit Card?

  The Utkarsh Eternal Credit Card offers multiple benefits, like no joining fee and an annual fee waiver from the second year upon spending Rs. 1.5 lakh or more yearly. A cashback of 1.25% on all eligible transactions. And 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000.

• Who is eligible to apply for the Utkarsh Eternal Credit Card?

  To be eligible, applicants must be an Indian resident between 18 years and 65 years. The applicant should also be an existing Utkarsh Small Finance Bank customer with an active Fixed Deposit (FD), Savings Account, Current Account, or Loan Account.

• How can I apply for the Utkarsh Eternal Credit Card?

  Individuals who are eligible receive a Pre-Approved or a Pre-Qualified Credit Card link on their registered email ID. To apply, they have to ensure that their KYC details are updated with the bank.

• What are the different types of credit cards available with Utkarsh Small Finance Bank?

  Currently, Utkarsh Small Finance Bank offers three variants of credit cards to meet different financial needs of the customers. They are Smart Gen, Eternal and Rhodium.

• How can I set a spending limit on my Utkarsh Eternal Credit Card?

  You can set your preferred spending limit for your Utkarsh Eternal Credit Card through the Credit Card portal.

• What should I do if my Utkarsh Eternal Credit Card has expired?

  Utkarsh Eternal Credit Cardholders receive an email or an SMS notification regarding their renewal two months before the card's expiry. In case a customer's address has changed, make sure to update the address linked to the bank account before renewal.

• How can I check my Utkarsh Eternal Credit Card dispatch status?

  Applicants receive an SMS notification on their registered mobile number regarding the dispatch status of their Utkarsh Eternal Credit Card.

• How can I request a reissue of my Utkarsh Eternal Credit Card?

  You can call customer service at 1800-309-3665 or email them at creditcards@utkarsh.bank if your Utkarsh Eternal Credit Card is lost or stolen and you need to request a reissue.

• Is there a fee for card replacement or reissue of Utkarsh Eternal Credit Card?

  Yes, the Utkarsh Eternal Credit Card has a Rs. 500 fee for card replacement in case it's lost or stolen.