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Key Features & Benefits
- ✦Up to 5% cashback on online shopping and payments
- ✦2% cashback on dining transactions
- ✦1% cashback on all other eligible spends
- ✦2 domestic lounge visits per quarter (8/year)
- ✦Lifestyle benefits and dining discounts
- ✦Annual fee waiver on ₹2L spend
- ✦1% fuel surcharge waiver
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Welcome & Joining Benefits
- ✦Welcome cashback vouchers on activation
Milestone Benefits
- ✦₹2L annual spend → fee waived
Pros & Cons
✓ Advantages
- ✓5% on online — competitive for a small finance bank card
- ✓8 lounge visits/year at ₹999 fee
- ✓Good for UP/Bihar region Utkarsh customers
✗ Disadvantages
- ✗3.5% forex
- ✗Utkarsh bank has limited national presence
Frequently Asked Questions
Who is Utkarsh Small Finance Bank?
Utkarsh Small Finance Bank is headquartered in Varanasi, Uttar Pradesh. It focuses on financial inclusion across UP, Bihar and adjacent states. It's RBI-licensed and DICGC-insured. Listed company since 2023.
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