Fees
Annual feeNil (Year 1); INR 4,999 + GST (Year 2 onwards)
Joining feeINR 0
Renewal feeNil (Year 1); INR 4,999 + GST (Year 2 onwards)
Fee waiverAnnual fee waived on spending INR 5 lakh or more annually
Interest rateUp to 2% per month (24% per annum)
Late paymentINR 500 + interest on outstanding balance
Forex markup3% of transaction value (post currency conversion via Visa/Mastercard conversion)
Cash advance5% of amount or INR 500 (whichever is higher)
Eligibility
Min income (salaried)INR 50,000 - INR 75,000 (Existing account holder required)
Min income (self-emp.)INR 9 - INR 12 lakh/year (Existing account holder required)
Income requirementSalaried: INR 50,000 - INR 75,000 (Existing account holder required); Self-employed: INR 9 - INR 12 lakh/year (Existing account holder required)
Credit score750 - 800 (or FD-backed with no minimum score)
Age range18 to 65 (FD-backed); 21 to 65 (unsecured)
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo (flat rate across all eligible categories)
Cashback %1.25% on all eligible transactions
Cashback capAs per bank T&C (specific cap not disclosed publicly)
Redemption optionsCashback (direct statement credit)
Points expiryNA (cashback credited directly)
Travel & lounge
Domestic lounge4 complimentary visits per quarter (up to 16 visits/year) at select domestic airports
International lounge0 visits (no lounge benefit)
Lounge conditionsNo (no spend condition for lounge access)
Travel insuranceNo
Hotel/flight offers5% - 10% (via partner offers)
ConciergeNo
Forex waiver3.5% (Standard Rate; no forex waiver)
Lifestyle
Dining benefitsNo
Dining discountsNo
Fuel surchargeYes - 1% discount on transactions between INR 400 and INR 5,000
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh (FD-backed: up to 90% of FD value)
Max limitINR 3 - INR 5 lakh (basis eligibility and profile)
Cash withdrawalUp to 20% of credit limit
EMI optionsPost-purchase; Yes - at participating merchants
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000 (as per bank policy)
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes (via Utkarsh Credit Card Portal)
App featuresCard Lock/Unlock; View Statements & Due Dates; Real-time Spend Alerts; Convert to EMI; Block Lost/Stolen Card; Credit Limit Increase Request; Autopay Setup; Download Credit Card Statement
Card controlsBlock/Unblock Card; Enable/Disable Online Transactions; Enable/Disable International Usage; Enable/Disable Contactless (NFC); ATM Withdrawal Toggle; Set Transaction Limits; Card PIN Reset; Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts; OTP for Online Transactions; Tokenization (RBI Mandated); Instant Card Block Option; Zero Liability Guarantee; AI-Based Risk Monitoring
Zero liabilityZero liability if fraud reported within 3 working days; limited liability (INR 10,000 or INR 25,000 depending on credit limit) if reported within 4-7 days; full liability if delayed beyond 7 days without valid reason
WhatsApp supportNo