Travel on Points
Utkarsh Small Finance Bank

Utkarsh Small Finance Bank Wish Credit Card

  • Joining fee

    Nil

  • Annual fee

    Nil

  • Best suited for

    Shopping, UPI

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    3% RPs on PhonePe Bill Payments & Recharges. 1% RPs for UPI Payments and Select Online Brands

Fees & charges

  • Foreign currency markup

    3.5%

  • Interest rates

    3% Per Month (36% Annually)

  • Cash advance charges

    5% or ₹25, Whichever is Higher

Product highlights

  • This is a secured credit card.
  • The Wish Credit Card has zero joining and annual charges.
  • This is a co-branded offering by Utkarsh Small Finance and Phone Pe.
  • Earn 200 Reward Points on monthly spends of ₹15,000 or more.

Pros & cons

Pros

  • For a secured credit card, this card offers a useful reward rate of 3% for bill payments made via PhonePe.

Cons

  • Except for bill payments, there aren’t any categories that are eligible for accelerated rewards.

FAQs

What are the joining and annual charges for the Utkarsh PhonePe Wish Credit Card?

There are no joining or renewal fees associated with the Utkarsh PhonePe Wish Credit Card.

Does this card offer rewards on wallet load?

No, the Wish PhonePe Credit Card does not offer any rewards on wallet loads.