cashback
Utkarsh SmartGen Credit Card
Entry-level FD-backed card with a low ₹199 renewal fee and flat 1% cashback.
Annual Fee
₹199 from year 2 (waived on ₹50,000 spend/year); Year 1 free
Rewards
1% flat cashback
Lounge Access
No
Fuel Waiver
1%
Milestone
None
Best For
Students and first-time credit users
Welcome Offer
None
Type
Cashback/Entry-level (Secured or unsecured)
Description
Utkarsh's most affordable entry-level card, available in secured (FD-backed) and unsecured variants, free in the first year. Earns a flat 1% cashback on eligible spends. Annual fee just ₹199 from year two, waived on ₹50,000 spend in the previous year. Includes a 1% fuel surcharge waiver. No lounge access, welcome benefits, or accelerated rewards. Available only to existing Utkarsh Bank customers via a pre-approved link. Ideal for students and young professionals starting their credit journey.
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