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Key Features & Benefits
- ✦Exclusive lifestyle cashback program on premium merchants
- ✦16 complimentary domestic lounge visits per year (4/quarter)
- ✦Dining discounts at partner restaurants
- ✦Fuel surcharge waiver
- ✦Annual fee waiver on ₹5L spend
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Welcome & Joining Benefits
- ✦Luxury brand vouchers on joining
Milestone Benefits
- ✦₹5L annual spend → fee waived
Pros & Cons
✓ Advantages
- ✓16 domestic lounge visits — exceptional for a regional SFB card
- ✓Good lifestyle perks
✗ Disadvantages
- ✗3.5% forex
- ✗Utkarsh has limited national branch network
- ✗Higher fee than other Utkarsh cards
Frequently Asked Questions
Is Utkarsh Rhodium available across India?
Yes, Utkarsh Bank issues credit cards across India digitally. However, their branch network is concentrated in UP and Bihar. The card can be managed via their digital banking app.
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