cashback
Utkarsh Rhodium Credit Card
Premium card offering 16 annual domestic lounge visits with flat 1.25% cashback on spends.
Annual Fee
₹4,999 from year 2 (waived on ₹5L spend/year); Year 1 free
Rewards
1.25% flat cashback
Lounge Access
4 domestic/quarter (16/year, no spend threshold)
Fuel Waiver
1%
Milestone
None
Best For
Existing Utkarsh customers wanting frequent domestic lounge access
Welcome Offer
None
Type
Cashback
Description
Utkarsh's premium offering, available only to existing bank customers, free in the first year. Earns a flat 1.25% cashback on eligible spends. Annual fee ₹4,999 from year two, waived on ₹5L spend in the previous year. The standout benefit is 4 complimentary domestic lounge visits per quarter (16 a year) with no spend threshold — the only card in Utkarsh's lineup with lounge access. Includes a 1% fuel surcharge waiver. No international lounge access, golf, or other lifestyle perks. Available in Mastercard and RuPay variants.
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