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Last updated: 3 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
1.25% cashback on all eligible transactions, 1% fuel surcharge waiver
Cashback is credited as statement credit; no cap on total cashback per month. Earn 1.25% on all spends and an additional 1% fuel surcharge waiver on fuel purchases.
The privileges that come bundled in, beyond the reward points.
1.25% cashback on all spends
1% fuel surcharge waiver
Zero joining fee
Annual fee waiver on spend > ₹1.5 Lakh per year
Contactless payments
An honest read on where this card earns its keep — and where it doesn't.
Flat 1.25% cashback on all spends
Fuel surcharge waiver
Zero joining fee
Annual fee ₹1,999 after first year
Cashback capped at ₹5,000 per month
No complimentary lounge access
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Utkarsh Small Finance Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Utkarsh Small Finance Bank Eternal Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Utkarsh Small Finance Bank Eternal Credit Card fees, reward conversion, lounge access, and application eligibility.
Utkarsh Small Finance Bank Eternal Credit Card has an annual fee of ₹1,999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "No intro offer".
Utkarsh Small Finance Bank Eternal Credit Card earns Cashback at a primary rate of 1.25% cashback on all eligible transactions, 1% fuel surcharge waiver. Specifically, Cashback is credited as statement credit; no cap on total cashback per month. Earn 1.25% on all spends and an additional 1% fuel surcharge waiver on fuel purchases.. Spends in Shopping, Lifestyle, Fuel categories provide the maximum valueback per transaction on this card.
Yes, because Utkarsh Small Finance Bank Eternal Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
A CIBIL credit score of 650 or above is strongly recommended for approval of Utkarsh Small Finance Bank Eternal Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Utkarsh Small Finance Bank Eternal Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Utkarsh Small Finance Bank Eternal Credit Card currently features a welcome offer: "No intro offer". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Flat 1.25% cashback on all spends and Fuel surcharge waiver. However, keep in mind that Annual fee ₹1,999 after first year and Cashback capped at ₹5,000 per month. Overall, Utkarsh Small Finance Bank Eternal Credit Card delivers strong value if your regular spending aligns with Shopping, Lifestyle, Fuel.
Utkarsh Small Finance Bank Eternal Credit Card is focused on Shopping and Lifestyle and Fuel valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, Utkarsh Small Finance Bank Eternal Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for Utkarsh Small Finance Bank Eternal Credit Card directly through Utkarsh Small Finance Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
