Cards · Utkarsh Small Finance Bank
Utkarsh Small Finance Bank superCard (super.money): rewards, caps and exclusions
Below is every rate, cap and exclusion in Utkarsh Small Finance Bank's published terms, as we last checked them on 12 November 2026.
What it earns
1%Everything else (UPI)on the first ₹50,000 of spend a cycle
1%Everything else (in store / online)on the first ₹10,00,000 of spend a cycle
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Government payments
- Cash withdrawals and fees
- Rent
- Wallet loads
- Gift cards
- Jewellery
- Insurance premiums
- Railway bookings
- Utility bills
- Education fees
- Fuel
- EMI conversions
Fees
- Annual fee: none
- Joining fee: none
Where this comes from
Transcribed from Utkarsh Small Finance Bank's own documents and checked against them on 12 November 2026:
- superCard product page, utkarsh.bank.in
- MITC, utkarsh.bank.in (PDF)
- Key Fact Statement, utkarsh.bank.in (PDF)
- Cardholder Agreement, utkarsh.bank.in (PDF)
- Credit Card Policy FY 2026-27, utkarsh.bank.in (PDF)
- Credit Card Policy FY 24-25, utkarsh.bank.in (PDF)
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Utkarsh Small Finance Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
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We know this card's rules, but we don't read Utkarsh Small Finance Bank's mail yet, so the audit can't check your swipes on it. Which banks we read