Utkarsh Small Finance Bank superCard
A lifetime-free RuPay credit card against a fixed deposit (from ₹100), applied for in the super.money app: 1% cashback on card and UPI spends of ₹100 or more, UPI cashback capped at ₹500 a statement month. Every figure below is copied from Utkarsh Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Applied for in the super.money app (Scapic Innovations Private Limited, the co-brand partner) against a fixed deposit opened in the same journey; issued by Utkarsh Small Finance Bank.
Fees and charges
| Joining fee | Nil Fee schedule |
|---|---|
| Annual fee | Nil Fee schedule |
| Annual fee waiver | Not needed |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| From 21 Jun 2026 an account maintenance charge of ₹100 + GST applies for year 1 but is waived unless you close the card within 12 months. A physical card costs ₹249 + GST unless the eligible FD amount is kept (the virtual card is free). | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| 1% on UPI payments made through the super.money app, capped at ₹500 a statement month | 1% cashback MITC | up to ₹500 a statement cycle MITC |
| 1% on other card spends, capped at ₹10,000 a statement month | 1% cashback MITC | up to ₹10,000 a statement cycle MITC |
Cashback accrues in the super.money app and is redeemed into your account; it is valid for 2 years.
Purchases of gold or jewellery and all EMI transactions earn no cashback.
No rewards on
Benefits
- Lounges: none on record
Eligibility
- Age 18 or above Product page
- Indian resident Product page
- A fixed deposit of at least ₹100 with Utkarsh Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Utkarsh Small Finance Bank in the documents read
- a fuel surcharge waiver
- lounge access
Where Utkarsh Small Finance Bank’s documents differ, and what is used
- The product page still lists 5% cashback on Myntra and 2% on Flipkart for non-UPI spends, but the MITC of 21 May 2026 says that preferred-merchant campaign was valid till 30 Jun 2026 unless extended in the app; CardWise does not count it.
The quotes behind the figures
27 figures, each copied from an official Utkarsh Small Finance Bank document.
Show every quote and source
“Joining Fee / Annual Fee Nil”
“Goods & Services Tax 18% on fees/charges & interest”
“Forex Mark-up Fee 3.5% of transaction amount”
“1. Cardholders shall be eligible for 1% cashback on all their spends both UPI and non-UPI subject to the terms and conditions defined hereunder”
“Cashback on UPI transactions are capped at Rs 500 per month.”
“3. Cashback on UPI transactions is subject to transactions being undertaken via super.money application.”
“4. Cashback is only applicable on transactions where transaction amount is greater than or equal to Rs 100”
“7. All per month caps shall mean a statement month of the cardholder.”
“Cashback on non-UPI transactions are capped at Rs 10,000 per month”
“Cardholders shall be eligible for 1% cashback on all non-UPI and UPI credit card transactions.”
“Govt related transactions 1.1.2. Agriculture / Contractor Services MCCs 1.1.3. Rent payments/ Wallet loads / gift or prepaid card loads / voucher purchase 1.1.4. Purchase of gold / jewellery 1.1.5. Insurance / Post Office / Transit / Utilities 1.1.6. Education”
“1.1.7. Fuel 1.1.8. Cash advances”
“The terms and conditions contained here pertain to superCard as issued by Utkarsh Small Finance Bank Limited ("Bank"), and its Co-brand Partner Scapic Innovations Private Limited ("Super.Money")”
“Limits and Charges Annual Fees Nil Joining Fees Nil”
“Effective 21-Jun-2026, an Account Maintenance Charge of Rs 100 plus taxes will be applied for year 1. The fee is waived in all instances except any customer-initiated closures within a period of 12 months from the date of issuance of the card.”
“You can avail a physical card by paying a fee of Rs 249 plus taxes or maintaining the eligible fixed deposit amount.”
“5%& 2% Cashback on non-upi spends on Myntra & Flipkart Respectively.”
“"Preferred Merchants' campaign is at the sole discretion of the Bank and is valid till 30th June 2026.”
“All types of EMI transactions (EasyEMI/SmartEMI, Dial -an- EMI etc)”
“2. Cashback shall mean money available for redemption into the cardholder's account under the superRewards Program”
“16. Cashback is valid only for 2 years from the date of accumulation.”
“The maturity tenure for your FD linked to the card is 1 year.”
“Age Limit: 18 & Above ( FD Backed Credit Card)”
“Has to be an Indian Resident”
“The minimum deposit required is just Rs 100/-.”
“Visit Supermoney app & apply for superCard ,it's a do it yourself journey.”
“The Card is acceptable at any Merchant Establishments accepting Rupay cards.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Utkarsh Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Utkarsh Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology