Utkarsh Small Finance Bank Credit Card

[damn]

Has anyone got a credit card from Utkarsh Small Finance Bank? They have some good cards, but they operate on a pre-approved basis, ie, you cannot apply for them; the bank will inform you if you are eligible.

 

[helloworld]

They have some good cards

really? 1.25% is good?

 

[damn]

I mean, I am not that choosy; besides, never got eligible for SBI cashback, so really don't care

 

[helloworld]

I mean, I am not that choosy; besides, never got eligible for SBI cashback, so really don't care

apply axis cards, hdfc to start.

IMO, credit cards should apply based on requirement not because bank providing it.

analyze your requirement, and if you're eligible for that you can apply.

there are better alternatives than these bank cards but still looking for review, its upto you. You can ignore and look for another comment.

 

[damn]

apply axis cards, hdfc to start.

IMO, credit cards should apply based on requirement not because bank providing it.

analyze your requirement, and if you're eligible for that you can apply.

there are better alternatives than these bank cards but still looking for review, its upto you. You can ignore and look for another comment.

Thanks for the advise, I already have credit cards from other banks
I have an account with them, that is why I was interested
I had a talk with their staff; the card program is in pilot mode right now, they are working on setting up the necessary infrastructure to enable the ecosystem

But thanks nonetheless for your reply

 

[srikant]

I keep pretty much all my "savings" money with them (my other accounts have low balance requirements, except Axis), so they've given me a somewhat high limit (even more than my ICICI Limit), and LTF for "Rhodium". I have emailed asking if they'll give RuPay -- or give one of their RuPay cards with same limit.

The cashback isn't much, and excludes many categories, but the lounge access can come in useful. If it's LTF, why not? 🙂

 

[nrj1007]

I also got email for pre approved Rhodium LTF

 

[damn]

H

I keep pretty much all my "savings" money with them (my other accounts have low balance requirements, except Axis), so they've given me a somewhat high limit (even more than my ICICI Limit), and LTF for "Rhodium". I have emailed asking if they'll give RuPay -- or give one of their RuPay cards with same limit.

The cashback isn't much, and excludes many categories, but the lounge access can come in useful. If it's LTF, why not? 🙂

How much were you maintaining on average, if you don't mind sharing?

 

[damn]

I also got email for pre approved Rhodium LTF

Congrats, I assume you received an email with the offer?

 

[nrj1007]

Congrats, I assume you received an email with the offer?

Yes . .

 

[damn]

Yes . .

How much were you maintaining in account?

 

[nrj1007]

How much were you maintaining in account?

0 right now since last 1 month. I started with 5 lakhs around an year ago and was investing slowly in mutual funds.