Utkarsh Small Finance Bank
Utkarsh Small Finance Bank Rhodium Credit Card
- Annual fee
₹4,999 + GST
- Best suited for
Travel, Shopping
- Reward type
Cashback
Rewards
- Rewards rate
1.25% Cashback on Eligible Spends
- Reward redemption
Cashback Can be Credited Against Next Bill
Benefits
- Domestic lounge
Complimentary Access 4 Times a Quarter; 16 Visits Annually
Fees & charges
- Spend-based waiver
Renewal Fee is Waived if ₹5 Lakh is Spent in the Previous Year
- Foreign currency markup
3%
- Interest rates
Up to 2% Per Month (24% Annually)
- Fuel surcharge waiver
1%
- Cash advance charges
5% or ₹500, Whichever is Higher
Product highlights
- The card offered does not have a joining fee.
- Allows users to earn a flat 1.25% cashback on eligible spends
- The annual fee is waived if a target of ₹5 lakh spending was achieved in the last year
Pros & cons
Pros
- The card is a First-Year Free product from the bank.
- The card has upto four complimentary domestic lounge access per quarter.
- Renewal fee is waived on spending ₹5 lakh in the last year.
Cons
- No international airport lounge access.
- No accelerated rewards program.
- No travel, golf, or any other lifestyle perks are offered.
FAQs
What is the network variant available for the Utkarsh Rhodium Credit Card?
The Utkarsh Rhodium Credit Card is available in Mastercard and RuPay network variants.
Is there any complimentary airport lounge access with this card?
With the card, cardholders can access up to 4 domestic airport lounges in a quarter for a total of 16 visits annually.
How can I apply for the Utkarsh Rhodium Credit Card?
Eligible customers will receive a link to a Pre-Approved/Pre-Qualified Credit Card on their registered personal email ID.
Will I be charged for getting an add-on credit card?
No, there are no additional charges for getting an add-on credit card for Utkarsh Rhodium.