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Utkarsh Bank Rhodium Card

The Rhodium Credit Card, offered by Utkarsh Small Finance Bank, is a premium product designed for elite customers who enjoy luxury and exclusive privileges. This credit card provides a range of perks, including complimentary lounge access, travel rewards, and cashback offers. With no joining or first-year annual fees, this card ensures affordability while offering 1.25% cashback on eligible transactions and a 1% fuel surcharge waiver. Read on to know more about it.

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Features and Benefits of the Utkarsh Rhodium Credit Card

The below-listed are some of the features and benefits of the Rhodium credit card:

  1. No annual or joining fees: The Utkarsh Small Finance Bank offers the Rhodium Credit Card with zero annual fee for the first year and no joining fee. This feature makes the card an ideal choice for individuals seeking luxury at affordable rates
  2. Cashback: Earn 1.25% cashback on all eligible transactions with this credit card, maximising the value of every purchase.
  3. Fuel Surcharge Waiver: Save 1% on fuel surcharge for transactions between Rs.400 and Rs. 5,000 with this credit card, making your fuel purchases more economical.
  4. Second-Year Fee Waiver: Your second-year fee of Rs. 4,999 will be waived if you spend Rs. 5,00,000 or more in the previous year.
  5. Flexible Spending Limits: Customise your spending according to your financial needs, ensuring better control over your expenses.

Eligibility Criteria to apply for the Utkarsh Rhodium Credit Card

The eligibility criteria to apply for the Utkarsh Rhodium credit card are as follows:

  1. The applicant should be a resident of India.
  2. The applicant must be an existing customer of Utkarsh Small Finance Bank with an active Current Account, Savings Account, Fixed Deposit (FD) Account, or Loan Account.
  3. The age criteria for the Rhodium Credit Card are as follows:
  4. Unsecured Credit Card: 21 to 65 years
  5. FD-Backed Credit Card: 18 to 65 years

Documents required to apply for the Utkarsh Rhodium Credit Card

The Utkarsh Rhodium Credit Card is available exclusively to existing customers of Utkarsh Small Finance Bank who hold an active current account, savings account, fixed deposit, or loan account. Since the card is issued to existing account holders, no additional documents are required for the application.

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Fees and Charges to apply for the Utkarsh Rhodium Credit Card

The fees and charges to apply for the Utkarsh Rhodium credit card are as follows:

Parameter

Charges

Joining fee

Nil

Annual fee

Nil for first yearRs. 199 + taxes second year onwards

Note: Annual fee will be waived off on spending Rs. 50,000 or above in the previous year.

Add-on card fee

NIL

Late payment fees

Rs. 500

Cash advance Fee

5% or Rs. 500 whichever is higher

Overlimit fees

Rs. 500 or 2.5% of the overlimit amount, whichever is higher

Service charge

Nil

Foreign Currency Surcharge

3% of the value of the foreign currency transaction after conversion to Indian

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FAQs on Utkarsh Bank Rhodium Card

  • Will I have to pay a joining fee to apply for the Utkarsh Rhodium credit card?

    No, there is no joining fee for the Utkarsh Rhodium credit card. This feature makes it a lucrative option for new users.

  • I am a Non-Resident Indian (NRIs); can I apply for the Utkarsh Rhodium credit card?

    No, the NRIs cannot apply for this credit card. This card is only available to Indian residents.

  • Will I be charged for opting for an add-on credit card for Utkarsh Rhodium?

    No, you will not be charged for opting for an add-on credit card for Utkarsh Rhodium.

  • Will I have to submit any additional documents to apply for the Utkarsh Rhodium credit card?

    No, you will not have to submit any additional documents to apply for a Utkarsh Rhodium credit card.

  • Am I eligible for a second-year annual fee waiver on the Utkarsh Rhodium credit card?

    Yes, you can qualify for a waiver on the second-year annual fee by spending Rs. 5,00,000 or more in the previous year.

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Credit Card Eligibility
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