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UTKARSH SMALL FINANCE BANK LTD

UTKARSH SMALL FINANCE BANK LTD Utkarsh superCard

Utkarsh superCard by UTKARSH SMALL FINANCE BANK LTD. Facts on this page are extracted and verified automatically from official issuer documents.

Source-traced to issuer Verified 2026-08-04

Fees & welcome

Joining fee

Nil (no joining fee).

Verified · Key Fact Statement (KFS) – superCard (latest, v21-May-2026) · 2026-08-04 · source

Annual / renewal fee

Nil (no annual fee).

Verified · Most Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025) · 2026-08-04 · source

Earn rates

  • 1% cashback on all spends (both UPI and non-UPI).
  • Preferred Merchants on non-UPI: 5% on Myntra Designs Pvt Ltd (web or app), 2% on Flipkart Internet Pvt Ltd (web or app, max ₹100/transaction).
  • UPI cashback subject to transacting via super.money app.
  • Cashback only on transactions >= ₹100.
  • (Applicable from 11 August 2025).

Verified · Most Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025) · 2026-08-04 · source

Fees & charges

Interest-free period

Interest-free period of up to 45 days (not available if previous month's dues unpaid in full or if there are cash withdrawals; cash advances always attract interest from date of withdrawal).

Verified · Key Fact Statement (KFS) – superCard (latest, v21-May-2026) · 2026-08-04 · source

Rewards

Redemption value

  • Cashback is money available for redemption into the cardholder's account under the superRewards Program.
  • Cashback is available for redemption once settled by the merchant with the Bank, plus an additional hold period of up to 30 days from date of settlement.
  • Cashback is valid only for 2 years from the date of accumulation.

Verified · Most Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025) · 2026-08-04 · source

Reward cap

  • Cashback on UPI transactions capped at ₹500 per month.
  • Cashback on non-UPI transactions capped at ₹10,000 per month.
  • Total cashback across all Preferred Merchants capped at ₹500 per statement.

Verified · Most Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025) · 2026-08-04 · source

Reward exclusion

Govt related transactionsAgriculture / Contractor Services MCCsRent payments / Wallet loads / gift or prepaid card loads / voucher purchasePurchase of gold / jewelleryInsurance / Post Office / Transit / UtilitiesEducationFuelCash advancesPayment of Outstanding BalancesPayment of card fees and other chargesAll types of EMI transactions

Verified · Most Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025) · 2026-08-04 · source

Eligibility

Eligibility

  • Secured credit card issued against a fixed deposit.
  • Applicable credit limit is currently a minimum 90% of the fixed deposit.
  • Minimum deposit requirement commences at ₹100.
  • Fixed deposits must be in the name of a single individual and opened through the app.

Verified · Most Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025) · 2026-08-04 · source

Official terms

Official terms

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

Verified · Utkarsh superCard product page · 2026-08-04 · source

Official sources

Official issuer pageMost Important Terms & Conditions (MITC) – superCard (latest, v30-Nov-2025)Key Fact Statement (KFS) – superCard (latest, v21-May-2026)

Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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