SmartGen Credit Card
Utkarsh Small Finance Bank · Credit card

SmartGen Credit Card

A credit card from Utkarsh Small Finance Bank. Facts below come from the issuer's own documents. Network: Mastercard or RuPay.

SmartGen Credit Card card artwork
Annual fee
₹199
Fee waiver
Spend ₹50,000 a year
Rewards
  • All eligible transactions 1% cashback

Benefits & rewards

Issuer information
Rewards
  • All eligible transactions 1% cashback
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.
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹199
Joining fee
₹0
Fee waiver
Spend ₹50,000 in a year
Foreign purchases
3.5% 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 information

Differences found when this card's published terms were re-verified against Utkarsh Small Finance Bank's own pages. Only independently approved changes appear here.

  1. Fee waiver spend
    Newly listed
    ₹50,000

    Fee waiver spend is now listed as ₹50,000

    Verified 21 Sep 2026 · issuer page
  2. Card network
    Changed
    RuPayMastercard, RuPay

    Card network changed from RuPay to Mastercard, RuPay

    Verified 21 Sep 2026 · previous value recorded 13 Aug 2026 · issuer page

Cardholder experience

Experience notes

No 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.