Utkarsh Small Finance Bank Wish Credit Card
Utkarsh Small Finance Bank Wish 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: Lifetime free | Reward type: Reward Points | Best for: Shopping, UPI, Utility Bills
Estimated value per Rs 100 of eligible spend.
Utkarsh Small Finance Bank Wish Credit Card Overview
Utkarsh Small Finance Bank Wish Credit Card is an Utkarsh Small Finance Bank credit card. Base reward value is about Rs 1 per Rs 100 of eligible spend. Zlash checks boosted categories like utility bills, online shopping, UPI along with caps and exclusions.
Best For
Utkarsh Small Finance Bank Wish Credit Card is most useful when your spends regularly fall into utility bills, online shopping, UPI.
Rewards
utility bills
3x the base reward rate.
Monthly cap: Rs 200
online shopping
1x the base reward rate.
Monthly cap: Rs 150
UPI
1x the base reward rate.
Monthly cap: Rs 150
Not Good For
- Spends in excluded categories such as government related transactions, agriculture and contractor services mccs, rent payments, wallet reloads, gift or prepaid card loads.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Fuel And Forex Charges
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 15,000 in a monthly period for benefit value around Rs 200.
Zlash Verdict
Choose this card when shopping, upi, utility bills 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 Wish Credit Card?
The listed annual fee is Lifetime free.
What is Utkarsh Small Finance Bank Wish Credit Card best used for?
Utkarsh Small Finance Bank Wish Credit Card is most useful when your spends regularly fall into utility bills, online shopping, UPI.
Does Utkarsh Small Finance Bank Wish Credit Card have reward exclusions?
Yes. The extracted exclusions include government related transactions, agriculture and contractor services mccs, rent payments, wallet reloads, gift or prepaid card loads, voucher purchases.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.