cashback
Utkarsh Eternal Credit Card
First-year-free card with flat 1.25% cashback, available only to existing Utkarsh Bank customers.
Annual Fee
₹1,999 from year 2 (waived on ₹1.5L spend/year); Year 1 free
Rewards
1.25% flat cashback
Lounge Access
No
Fuel Waiver
1%
Milestone
None
Best For
Existing Utkarsh customers wanting simple flat cashback
Welcome Offer
None
Type
Cashback
Description
A mid-tier card available only to existing Utkarsh Bank customers (active Savings, Current, FD, or Loan account), free in the first year. Earns a flat 1.25% cashback on eligible spends, credited against the next billing statement. Annual fee ₹1,999 from year two, waived on ₹1.5L spend in the previous year. Includes a 1% fuel surcharge waiver. No lounge access, welcome benefits, or accelerated reward categories. Available in Mastercard and RuPay variants.
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