UTKARSH SMALL FINANCE BANK LTD Utkarsh Small Finance Bank Rhodium Card

Lounge access

Domestic airport lounge access: free lounge access at select airports up to 4 times in a calendar quarter (62 airport lounge program) for all Rhodium Cardholders.

Verified · Most Important Terms & Conditions (MITC) – Rhodium Credit Card · 2026-08-04 · source

Forex markup

Foreign Currency Surcharge: 3% of the value of the foreign currency transaction after conversion to Indian Rupees using network's currency conversion at transaction point.

Verified · Key Fact Statement (KFS) – Rhodium Credit Card · 2026-08-04 · source

Charge

• Late Payment Fees: ₹500.
• Cash Advance Fees: 5% or ₹500, whichever is higher.
• Finance Charge (APR): 2% per month (24% p.a.).
• Overlimit Fees: ₹500 or 2.5% of Overlimit Amount (min ₹500), whichever is higher.
• Return payment charge: 2.5% of returned payment (min ₹500).
• Foreign Currency Surcharge: 3%.
• Card Replacement Fee: ₹500.
• Physical Statement: ₹50 per statement.
• E-Statements: Nil.
• Service Charge: NIL.
• GST: 18% on all fees, interest & other charges.
• Surcharge on Rent Payment: 1% (capped at 40% of credit limit in a billing cycle).
• Card Validation Charges - Domestic Lounges: authorization of ₹25 for validation only (not charged).
• Available Cash Limit: 20% of Credit Limit.
• Any tax/TCS/TDS levied by competent authorities as per prevailing rate.

Verified · Key Fact Statement (KFS) – Rhodium Credit Card · 2026-08-04 · source

Interest-free period

Up to 50 days (ranges from 20 to 50 days depending on date of transaction).

Verified · Key Fact Statement (KFS) – Rhodium Credit Card · 2026-08-04 · source

Fuel surcharge waiver

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

Verified · Utkarsh Small Finance Bank Rhodium Card product page · 2026-08-04 · source

Redemption value

Cash back credited to the Credit Card Account is adjusted towards the balance on the next Credit Card Statement.

Verified · Utkarsh Small Finance Bank Rhodium Card product page · 2026-08-04 · source

Reward exclusion

Verified · Key Fact Statement (KFS) – Rhodium Credit Card · 2026-08-04 · source

Insurance

Available insurance cover for cardholder and date of activation of policy including nomination details: Currently not applicable.

Verified · Most Important Terms & Conditions (MITC) – Rhodium Credit Card · 2026-08-04 · source

Eligibility

• Individuals - Indian citizens and residents.
• Card Variant: Rhodium.
• Card Association: MasterCard.
• Service Provider: 42 Card Solutions Pvt. Ltd. Age 21 to 65 years (per policy).
• ETB customers with active CASA/FD/Loan.

Verified · Key Fact Statement (KFS) – Rhodium Credit Card · 2026-08-04 · source