CashbackRewardsFuelLifetime Free
Utkarsh SmartGen Credit Card
Annual FeeFirst year: Free , 2nd year onwards: ₹199 + GST (fee waived on ₹50,000+ annual spend)
Joining BenefitNo joining fee
Highlights1% cashback on all spends + low annual fees
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CashbackEveryday SpendEntry levelCashback
Utkarsh SuperCard Credit Card
Annual FeeFree
Joining BenefitInstant digital cashback
HighlightsZero fee card w/ up to 5% shopping cashback
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CashbackRewardsFuelSemi Premium
Utkarsh Eternal Credit Card
Annual FeeFirst year free; ₹1,999 + GST from 2nd year onward
Joining BenefitFree 1st year + cashback
HighlightsFlat 1.25% cashback on all spends
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RewardsCashbackTravelLounge Access
Utkarsh Rhodium Credit Card
Annual Fee₹4,999 + GST from 2nd year
Joining BenefitNo joining fee, premium perks
Highlights1.25% cashback + 16 lounge visits/year
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Best for BeginnersRewardsShoppingLifetime Free
Utkarsh PhonePe Wish Credit Card
Annual FeeFree
Joining BenefitNo traditional welcome bonus beyond regular rewards
HighlightsUPI credit + rewards on bills, shopping & Scan & P
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