Utkarsh Small Finance Bank SmartGen Credit Card
Utkarsh Small Finance Bank SmartGen Credit Card from Utkarsh Small Finance Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 199 | Reward type: Cashback | Best for: Shopping
Estimated value per Rs 100 of eligible spend.
Utkarsh Small Finance Bank SmartGen Credit Card Overview
Utkarsh Small Finance Bank SmartGen Credit Card is an Utkarsh Small Finance Bank credit card. Base reward value is about Rs 1 per Rs 100 of eligible spend. Zlash uses the listed forex markup and fee facts when comparing this payment option.
Best For
Utkarsh Small Finance Bank SmartGen Credit Card is positioned around Shopping spends.
Not Good For
- Spends in excluded categories such as wallet reloads, financial institutions, government services, charities, foreign currency purchases.
- International transactions if you need low forex markup; this card lists 3% markup.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3% foreign currency markup.
Reward Exclusions
Zlash Verdict
Choose this card when shopping match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of Utkarsh Small Finance Bank SmartGen Credit Card?
The listed annual fee is Rs 199.
What is Utkarsh Small Finance Bank SmartGen Credit Card best used for?
Utkarsh Small Finance Bank SmartGen Credit Card is positioned around Shopping spends.
Does Utkarsh Small Finance Bank SmartGen Credit Card have reward exclusions?
Yes. The extracted exclusions include wallet reloads, financial institutions, government services, charities, foreign currency purchases, insurance.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.