If you are searching for the Utkarsh Bank Credit Card Apply, it is important to understand the eligibility criteria, required documents, available card options, and application process before applying. Utkarsh Small Finance Bank offers credit cards in different variants, including secured and unsecured cards. The bank evaluates factors such as the applicant’s credit profile, income, and other eligibility parameters before approving a card.
What Is Utkarsh Bank Credit Card?
Utkarsh Bank, officially known as Utkarsh Small Finance Bank, provides credit card facilities to eligible customers. Depending on the product, the card may be issued as an unsecured credit card or as an FD-backed secured credit card.
The bank currently has card variants such as SmartGen, Eternal, and Rhodium, with different fee structures and target customer segments
Before applying for a Utkarsh Bank credit card Apply, applicants should check whether they meet the bank’s eligibility requirements.
Utkarsh Bank Credit Card Eligibility
Exact eligibility may vary depending on the card variant and the bank’s internal assessment. Generally, applicants must be Indian residents and meet the bank’s age, KYC, and credit requirements.
For some Utkarsh credit card products, the minimum age is 18 years. However, meeting the minimum age alone does not guarantee approval. The bank can also consider credit history, income, existing relationship with the bank, and other factors.
Eligibility Table
| Eligibility Requirement | General Requirement |
|---|---|
| Age | 18 years or above for applicable products |
| Citizenship | Indian citizen/resident, as applicable |
| KYC | Valid KYC documents required |
| Income | Depends on the card/product |
| Credit Profile | Credit bureau information may be considered |
| Bank Relationship | Eligibility may depend on the specific product and customer segment |
The bank’s credit card policy states that credit limits and eligibility may depend on factors such as income and credit score.
Documents Required for Utkarsh Bank Credit Card
When you apply for a credit card, the bank may ask for KYC and financial documents. The exact documents may vary depending on your profile and the specific card.
Commonly required documents may include:
- Aadhaar Card or another officially accepted identity document
- PAN Card
- Address proof
- Passport-size photograph, where applicable
- Income proof, if requested
- Bank statement, salary slip, or other financial documents, depending on the application
- Additional KYC documents if required by the bank
Document Checklist
| Document | Purpose |
|---|---|
| PAN Card | Identity and financial verification |
| Aadhaar/Official ID | Identity and address verification |
| Address Proof | Residential verification |
| Income Proof | Assessment of repayment capacity, where applicable |
| Bank Statement | Financial assessment, if requested |
| Photograph | KYC/application requirement, if applicable |
You should provide genuine, up-to-date documents. The bank can request additional information during verification.
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How to Apply for Utkarsh Bank Credit Card?
If you want to complete the Utkarsh Bank credit card apply process, the safest option is to use the bank’s official website and check the currently available credit card products.
A typical application process can include:
- Visit the official Utkarsh Small Finance Bank website.
- Go to the credit card section.
- Select the credit card for which you want to check eligibility.
- Read the fees, charges, and terms carefully.
- Complete the application or eligibility process available on the official website.
- Submit the required KYC and other requested information.
- Complete verification if requested by the bank.
- Wait for the bank’s final decision.
It is important to remember that submitting an application does not automatically mean the credit card will be approved. The bank makes the final decision after its eligibility and verification process.
| ALSO READ: Learn how to send money from a credit card to your bank account safely |
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FD-Backed Utkarsh Credit Card –
Wish Credit Card – Apply Now – No additional documents are required
| Benefit / Fee / Charge | Details |
|---|---|
| Joining Fee | No Joining Fee |
| Annual Fee | No Annual Fee |
| Recharge & Bill Payments | 3% Reward Points* through the PhonePe app |
| Select Online Brands | 1% Reward Points* |
| Scan & Pay | 1% Reward Points* through the PhonePe app |
| Monthly Milestone Benefit | 200 Reward Points* on spending ₹15,000 per month |
| Interest-Free Period | Up to 45 days |
| Late Payment Fee | 10% of the outstanding amount, capped at ₹1,250 |
| Service Charge | Nil |
| Finance Charge (APR) | Up to 3% per month (36% annualized) |
| Cash Withdrawal Limit | Up to 20% |
| Physical Card Fee | ₹249 |
| Supplementary Card Fee | No annual or joining fee |
| Domestic Cash Advance Fee | 5% or ₹25, whichever is higher |
| International Cash Advance Fee | 5% or ₹500, whichever is higher |
| GST | 18% on applicable fees, charges and interest |
| E-Statements | Nil |
How to Apply for Utkarsh Wish Credit Card
To apply for the Utkarsh Wish Credit Card through the PhonePe app, first open the PhonePe app on your mobile. Then tap on the Search option at the bottom of the screen. In the search bar, type “Wish Credit Card” and search for it. After that, select the relevant credit card option and follow the application process shown in the app.
Utkarsh Wish Credit Card Activation & Green PIN Generation
After successfully applying for the Utkarsh Wish Credit Card through the PhonePe app, the customer can receive an active virtual credit card within a few minutes after completing the onboarding process. This means you may not have to wait for the physical card to start using the virtual card.
How to Generate Your Credit Card PIN?
The PIN can be generated directly through the PhonePe app. Follow these simple steps:
- Open the PhonePe app on your mobile phone.
- Go to the Credit Card section and select your Utkarsh Wish Credit Card.
- Look for the option to Generate PIN / Set PIN.
- Enter the required verification details shown in the app.
- Create a 4-digit PIN of your choice.
- Re-enter the PIN to confirm it.
- After successful verification, your new PIN will be set for the credit card.
How to Set Up a Credit Card for UPI?
After generating the PIN, you can also link the eligible credit card to UPI through the PhonePe app. This allows you to make UPI payments with a credit card.
The general process is:
PhonePe App → Credit Card → Select Utkarsh Wish Credit Card → Set Up UPI → Follow the on-screen instructions → Complete verification
Once the setup is complete, you can use the card for eligible UPI transactions in accordance with the applicable terms and conditions.
Important: Keep your credit card PIN confidential. Never share your PIN, OTP, or other security details with anyone, even if someone claims to be calling from the bank or PhonePe.
If you do not qualify for an unsecured credit card, an FD-backed or secured credit card may be an option depending on the product available to you.
Under a secured card arrangement, the credit card is backed by a fixed deposit with the bank. Utkarsh’s credit card policy explains that secured cards can be issued by marking a lien on the customer’s fixed deposit.
The exact credit limit, FD requirement, and other conditions depend on the specific product and the bank’s current terms.
Fees and Charges
Before completing an Utkarsh Bank credit card apply request, always check the latest fees and charges for the specific card.
For example, the bank’s published schedule lists different annual fees for SmartGen, Eternal and Rhodium after the first year, while joining fees are listed as NIL for these variants. Fee-waiver conditions can also differ by card
Interest and other charges can also apply if you carry an outstanding balance or use services such as cash advances. Therefore, applicants should read the Key Fact Statement (KFS) and Most Important Terms and Conditions (MITC) before accepting the card.
Is Utkarsh Credit Card Right for You?
An Utkarsh credit card can be useful if you want a credit facility, rewards, or other card-specific benefits and meet the bank’s eligibility requirements. However, you should compare the annual fee, interest rate, rewards, credit limit, cash withdrawal charges, and other terms before choosing a card.
Also, using a credit card responsibly is important. Paying the total outstanding amount before the due date can help you avoid unnecessary finance charges.
FAQs
1. What is the minimum age for an Utkarsh credit card?
For applicable Utkarsh credit card products, the minimum age is 18 years or older. However, age is only one eligibility factor, and approval depends on the bank’s criteria.
2. Can I apply for an Utkarsh credit card online?
The bank provides digital application facilities for applicable credit card products. You should use the official Utkarsh Small Finance Bank website to check the current application process.
3. Does Utkarsh Bank offer an FD-backed credit card?
Yes. Utkarsh’s credit card policy includes secured credit cards backed by a fixed deposit.
4. Is a PAN Card required for a credit card?
PAN is generally an important document for financial products and KYC. The exact documentation requirement can vary depending on the applicant and product.
5. Will everyone who applies get an Utkarsh credit card?
No. Application submission does not guarantee approval. The bank evaluates the applicant according to its eligibility, verification, and credit assessment criteria.
6. Where can I check the official Utkarsh credit card details?
You should check the official Utkarsh Small Finance Bank website for the latest card options, eligibility criteria, fees, and application information.
Final Thought
If you are planning to apply for an Utkarsh Bank credit card, don’t apply only because you see an attractive offer. First, check the eligibility criteria, documents, annual charges, interest rate, rewards, and other applicable fees. Choose a card that matches your financial needs and repayment capacity. Always read the official terms before submitting your application.
Official Website: Utkarsh Small Finance Bank – Official Website
Disclaimer
This article is for informational purposes only and does not guarantee credit card approval. Eligibility, fees, charges, interest rates, documents and application procedures may change. Always verify the latest information on the official Utkarsh Small Finance Bank website before applying.
