Utkarsh Small Finance Bank · Credit card
Rhodium Credit Card
A credit card from Utkarsh Small Finance Bank. Facts below come from the issuer's own documents. Network: RuPay.
Annual fee
₹4,999
Fee waiver
Spend ₹5,00,000 a year
Rewards
- 1.25% Cashback on all eligible transactions
Benefits & rewards
Issuer information- Rewards
- 1.25% Cashback on all eligible transactions
- Reward cap
- Not available
- Lounge access
- Included
- Does not earn on
- Wallet recharges. · Financial Institutions. · Government services. · Charities. · Foreign Currency Purchase. · Insurance. · Railway. · Mutual Funds. · Education. · Transport. · Fuel. · Utility Payments.
Fees, eligibility & repayment
Issuer information- Annual fee
- ₹4,999
- Joining fee
- ₹0
- Fee waiver
- Spend ₹5,00,000 in a year
- Foreign purchases
- 3% markup on international spends
- Eligibility
- Income not disclosed
- Repayment
- Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.
What changed
Issuer informationDifferences found when this card's published terms were re-verified against Utkarsh Small Finance Bank's own pages. Only independently approved changes appear here.
- Foreign currency markupChanged3.5%3%
Foreign currency markup changed from 3.5% to 3%
Verified 21 Sep 2026 · previous value recorded 10 Aug 2026 · issuer page - Reward ratesChangedAll eligible transactions 1.25% cashback1.25% Cashback on all eligible transactions
Reward rates changed from All eligible transactions 1.25% cashback to 1.25% Cashback on all eligible transactions
Verified 21 Sep 2026 · previous value recorded 10 Aug 2026 · issuer page
Cardholder experience
Experience notesNo admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.
Offers on this card
No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.