Abhishek012
TF Pioneer
Utkarsh Bank RuPay JCB SmartGen Credit Card | Flat 1% Cashback:
Utkarsh RuPay SmartGen Credit Card
Utkarsh Small Finance Bank RuPay SmartGen Credit Card brings simplicity to your everyday financial needs. With straightforward features and easy-to-use methods, it is designed to handle your transactions smoothly and effortlessly. Discover how SmartGen can streamline your spending by exploring the benefits and features below.
Features and Benefits
- No Annual Fee for 1st year
- 2nd year onwards ₹ 199/- + Taxes & Fee waiver when ₹ 50,000 is spent during the previous year
- No Joining Fee
- 1% Cashback on all eligible transactions (Please refer the Key Fact Statement for details)
- 1% fuel surcharge refund on transactions between Rs 400 and Rs.5000
- For our existing customers who are holding an active Current Account, Savings Account, FD Account & Loan Account.
- Has to be an Indian Resident
- Age Limit:
- • Unsecured Credit Card: 21 to 65 years
- • FD Backed Credit Card: 18 to 65 years
- Eligible Customers will receive a Pre-Approved/Pre-Qualified Credit Card link on their personal registered email id with the Bank
- Customers to ensure that their latest KYC details are updated with the Bank
No additional documents are required
Limits and Charges
| Annual Fees | No Annual Fee for 1st year. 2nd year onwards ₹199 + Taxes - Fee waiver when ₹ 50 thousand is spent during the previous year. |
| Joining Fees | No joining fee |
| Interest Free Period | Upto 50 days |
| Late Payment Fees | ₹500/- in addition to the interest payable on the outstanding credit card amount |
| Service Charge | NIL |
| Finance Charge [APR] | Up to 3.6% per month (equivalent to 43.2% annual percentage rate). Same rate is applied for overdue balances. a. Revolving Credit b. Cash Advances c. Overdue Interest d. Charges in case of default |
| Cash Withdrawal Limit | Upto 20% |
| Overlimit Fees | ₹ 500/- |
| Cash Advance Fees | Cash advance 5% or ₹ 500, whichever is higher |
| Card Replacement Fee | ₹ 500/- |
| Cash Advance Fees | Cash advance 5% or Rs. 500, whichever is higher |
| Goods & Services Tax | 18% on fees/charges & interest |
| Physical Statement | ₹50/- per statement |
| E-statements | NIL |
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