fintech
Utkarsh Small Finance Bank superCard Credit Card
Annual Fee
Lifetime FreeBase Reward
1% cashback
Foreign Markup
3.5%
Product Highlights
- Lifetime free credit card
- Instant credit card with 100% approval on making a Fixed Deposit
Merchant-Specific Rewards
Myntra
5% cashback on Myntra (non-UPI)
Cleartrip
3% cashback on Cleartrip (non-UPI)
Flipkart
2% cashback on Flipkart (non-UPI)
Reward Calculator
Earns ₹4,200/year (net)
Modest gain. Solid hold if you like the perks.
₹19K
across all your buckets
₹4.2K
direct cashback
₹4.2K
via direct credit
Effective rate
1.84%
Annual fee
FREE
Year 1 net
+₹4,200
Year 2+ net
+₹4,200
ongoing
Adjust your spend by reward bucket
4 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
upi txns
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions.
Redemption
Cashback on the super.money App, Which Can Be Directly Credited to Your Bank Account
Pros & Cons
Pros
- 1% cashback on all UPI and Non-UPI spends
- Earn 6.5% interest on the FD amount
- 5%, 3%, & 2% cashback on non-UPI spends on Myntra, Cleartrip & Flipkart respectively
- Great secured credit card for beginners
Cons
- Cashback capped at ₹500 for each statement cycle
- Limited cashback on specific transactions
Additional Info
Cashback will not be awarded for specific types of transactions.
Cashback across all partner platforms is capped at ₹500 for each statement cycle.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Networks