UTKARSH SMALL FINANCE BANK LTD Utkarsh Eternal Credit Card

Charge

• Late Payment Fees: ₹500/-.
• Cash Advance Fees: 5% or ₹500, whichever is higher.
• Available Cash Limit: 20% of Credit Limit.
• Finance Charge (APR): 3% per month (36% p.a.), for FD backed card 2.5% per month (30% p.a.).
• Overlimit Fees: ₹500 or 2.5% of Overlimit Amount (min ₹500) whichever is higher.
• Foreign Currency Surcharge: 3%.
• Return payment charge: 2.5% of returned payment (min ₹500).
• Fuel Transaction Surcharge: 1% refunded (₹400-₹5000).
• E-Statements: NIL.
• Physical Statements: ₹50 per statement.
• GST: 18% on all fees, interest & other charges.
• Card Replacement Fee: ₹500/-.
• Surcharge on Rent Payment: 1% (cap 40% of credit limit per billing cycle).
• Service Charge: NIL.
• Add-on/Supplementary Card Annual Fee: No Annual Fee.
• Fuel Surcharge Waiver limited to ₹40,000 spend in a calendar month with no single transaction over ₹8,000.
• Tax/TCS/TDS as per prevailing rate.

Verified · Most Important Terms & Conditions (MITC) – SmartGen / Eternal / Rhodium Credit Cards · 2026-08-04 · source

Interest-free period

Up to 50 days (interest free credit period can range from 20 to 50 days depending on date of transaction).

Verified · harvested from product page · 2026-08-04 · source

Fuel surcharge waiver

• 1% fuel surcharge refunded for transactions between ₹400 and ₹5000 (subject to a maximum waiver of ₹400 in a statement cycle).
• GST on surcharge will not be refunded.

Verified · Most Important Terms & Conditions (MITC) – SmartGen / Eternal / Rhodium Credit Cards · 2026-08-04 · source

Redemption value

Cash back credited to Your Credit Card Account will be adjusted towards the balance on Your next Credit Card Statement.

Verified · MITC v2 (June 2024 version) – General Credit Card (SmartGen / Eternal / Rhodium) · 2026-08-04 · source

Reward exclusion

Verified · harvested from product page · 2026-08-04 · source

Insurance

Available insurance cover: Currently not applicable.

Verified · Most Important Terms & Conditions (MITC) – SmartGen / Eternal / Rhodium Credit Cards · 2026-08-04 · source

Eligibility

• Individuals - Indian citizens and residents.
• Age 21 to 65 yrs (Unsecured).
• Existing To Bank (ETB) customers with CASA/Term Deposit/Retail Assets.
• KYC as per bank record.
• Minimum Credit Limit ₹25,000, Maximum ₹10,00,000.

Verified · harvested from product page · 2026-08-04 · source

Official terms

https://www.utkarsh.bank.in/personal/cards/credit-card/eternal.

Verified · Utkarsh Eternal Credit Card product page · 2026-08-04 · source