Utkarsh Small Finance Bank credit cards
5 verified offerings. Additional coverage outside the frozen 401-name audit; directory-only.
These are not calculator models. No score, point value or partner alias is imported.
Verified offerings
- Utkarsh Eternal Credit Card
- Utkarsh Rhodium Credit Card
- Utkarsh SmartGen Credit Card
- Utkarsh SuperCard Credit Card
- Utkarsh Wish Credit Card
Named catalogue, not a score
The issuer catalogue and named pages verify five offerings. We count named products, not extra copies for networks, secured or unsecured eligibility, account status or application channels.
SmartGen: current terms and stale FAQ conflict
The named SmartGen benefit section and its Key Fact Statement state 1% cashback on eligible transactions. The generic FAQ on issuer pages still says flat 1.25%, and lists three card variants where the current catalogue lists five. Debit-card template references also appear in credit-card content. We disclose these conflicts rather than import 1.25% universally or treat debit reward copy as a credit-card model.
Wish points: a PhonePe route, not statement cash
The named Wish MITC declares ₹1 per reward point. Claiming requires a minimum of 50 claimable points and credits equivalent cashback to the cardholder's PhonePe account under PhonePe wallet terms. This source denomination is not a statement-cash value or a rupee return in this calculator.
The MITC describes 3% points on named PhonePe bill payments capped at 150 points per statement month; 1% on named preferred merchants through PhonePe capped at 200; and 1% on offline PhonePe Scan & Pay capped at 150. Transactions must be at least ₹100. It also names a ₹15,000 statement-month milestone with 200 points and a hold period. The general exclusions include utilities even though named PhonePe bill categories include utilities. Category allocation, exclusions, settlement and hold rules need careful reconciliation, not a universal reward rate.
Other benefits remain unpriced
Eternal, Rhodium and SuperCard advertise different eligible-spend cashback benefits. SuperCard distinguishes UPI through super.money, non-UPI caps, named merchant offers and app redemption. Each product needs its own fully bound route, exclusions, costs, cap periods and account eligibility before scoring. Fixed-deposit eligibility is not an extra named card here. No fee waiver, fuel, merchant, point, wallet or partner benefit is imported.
Unpriced does not mean absent. The verified directory is not a guarantee of an open application, approval or unchanged benefits.
SuperCard: a past merchant campaign is not an ongoing benefit
The SuperCard landing page still advertises 5% on Myntra and 2% on Flipkart non-UPI spending. The retrieved issuer MITC dated May 21, 2026 explicitly limits that preferred-merchant campaign to December 1–31, 2025, with any extension communicated to customers in the app. Renewal has not been verified. These are past campaign terms, not a verified ongoing merchant return.
The MITC separately describes 1% eligible-spend cashback from August 11, 2025, minimum transaction ₹100, UPI through super.money, caps of ₹500 for UPI and ₹10,000 for non-UPI. Its later clause expressly defines all per-month caps as the cardholder's statement month, reconciling the FAQ's statement-month wording. Cashback is redeemable through the superRewards account after merchant settlement and a hold of up to 30 days. The final account redemption route, full cost and eligibility rules are not bound as a calculator score.
Preferred-merchant rewards cannot be combined with other cashback under these terms. Old pre-August 11 sample rates are not imported. Government, rent, wallet, gift-card loads, jewellery, insurance, post office, transit, utilities, education, fuel, cash advances and EMI exclusions remain relevant. No merchant alias, renewal assumption or score is imported.
Scope and freshness
Checked 2 October 2026. This is a verified subset, not a guarantee of approval, availability or unchanged terms. Full current variant and account rules are needed before scoring.
Issuer sources
Issuer catalogue · Eternal issuer page · Rhodium issuer page · SmartGen issuer page · SuperCard issuer page · Wish issuer page · SmartGen Key Fact Statement · Wish MITC · SuperCard MITC: campaign dates and statement-month definition
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