Simplify Daily Spends with the Utkarsh SmartGen Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

17 Apr 26
3 mins

Sandipan Mitra

08 Mins
17-04-26

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Table of Contents

Utkarsh SmartGen Credit Card Benefits
Utkarsh SmartGen Credit Card Charges

Earn 1% cashback on all eligible transactions.
The annual fee of ₹199 is waived on spending ₹50,000 yearly.
The credit limit for the secured SmartGen credit card is 100% of the FD amount.

The Utkarsh SmartGen Credit Card is designed for simple and smooth everyday use. It is available in both secured and unsecured options.

The card comes with no joining fee and an annual fee of ₹199, which can be waived. With easy features and flexible usage, it helps you manage daily transactions without any hassle.

Utkarsh SmartGen Credit Card Benefits

Earn 1% cashback on all eligible transactions, which helps you save on your everyday spending.

So, what are the other features of the Utkarsh SmartGen Credit Card that make it worthwhile?

Add-on Cards: Supplementary cards are available at no extra cost, making it easy to share benefits with family members.
Interest-Free Period: Enjoy an interest-free period of up to 50 days, which gives you flexibility in managing your payments.
Fuel Waiver: Get 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, which helps reduce fuel expenses.

Utkarsh SmartGen Credit Card Charges

The SmartGen card carries a finance charge of 3.6% per month, which equals 43.2% annually. These charges apply to revolving credit, cash advances, overdue balances and in case of payment defaults.

The table below illustrates the other charges levied on the SmartGen card.

Parameters	Charges
Late Payment Fees	₹500
Cash Advance Fees	5% or ₹500, whichever is higher
Overlimit Fees	2.5% or min. ₹500
Card Replacement Fee	₹500
Foreign Currency Surcharge	3%
Return Payment Charge	2.5%
Physical Statement	₹50/statement

💡Experience seamless credit card bill payment with the Pice App. Link all your credit cards to the app to get monthly payment reminders. Make secure payments and also track their status through one unified GST-compliant platform!

Footnotes

Activate your credit card within 30 days of issuance to avoid automatic closure as per RBI guidelines.
Applicants must be Indian residents. Age should be 21–65 years for unsecured cards and 18–65 years for FD-backed cards.
A minimum FD of ₹25,000 is required and the secured Utkarsh SmartGen Credit Card limit is 100% of the FD amount.

FAQs

How to complete Utkarsh SmartGen Credit Card activation?

Visit the official portal and log in using your registered email. Select your card, verify details, set PIN, complete OTP verification and enable transaction channels.

How can I apply for the SmartGen Credit Card?

You may receive a pre-approved link via email. Through the Utkarsh Bank Credit Card application process, ensure your KYC details are updated before applying.