What is the annual fee of the Utkarsh Eternal Credit Card?

Rs 1,999 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.

Does the Utkarsh Eternal Credit Card give airport lounge access?

No lounge access is listed for this card.

What is the forex markup on the Utkarsh Eternal Credit Card?

3% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Utkarsh Eternal Credit Card?

Wallet recharges, financial institutions, government services, charities, foreign currency purchases, insurance, railway, mutual funds, education, transport, fuel, utility payments (KFS lists ineligible types; full list per cardinsider)

M16S / Utkarsh Small Finance Bank / Utkarsh Eternal Credit Card

mid · cashback

Utkarsh Eternal Credit Card

Utkarsh Small Finance BankMastercard · RuPayLast checked 11 Oct 2026invite-only

The Utkarsh Eternal Credit Card costs Rs 1,999 a year, waived if you spend Rs 1,50,000 in a year. Its base return is 1.25% (1.25% cashback on eligible spends). The forex markup is 3%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Rs 1,999+ GST
Fee waived at: Rs 1,50,000annual spend
Base return: 1.25%
Forex markup: 3%
Interest: 3%a month

Fees

Joining fee	Free
Annual fee	Rs 1,999
Annual spend that waives the fee	Rs 1,50,000
Fee notes	No joining or first-year fee; Rs 1,999 from second year, waived on annual spend of Rs 1.5 lakh. Supplementary card free.

Rewards

Reward currency	Cashback
Base earnunverified	1.25% cashback on eligible spends
Base returnunverified	1.25%
Point value	Cashback set off against next statement
Caps	No cap stated
Spends that earn nothingunverified	Wallet recharges, financial institutions, government services, charities, foreign currency purchases, insurance, railway, mutual funds, education, transport, fuel, utility payments (KFS lists ineligible types; full list per cardinsider)
Reward notes	base_return_pct = 1.25% from aggregators (cardinsider, stablemoney, paisabazaar); the KFS lists only ineligible categories, not the rate.

Travel and perks

Domestic lounge	None
International lounge	None
Forex markup	3%
Fuel surcharge waiverunverified	1% waiver; stablemoney says on fuel txns Rs 400-5,000

Charges and eligibility

Interest per month	3%
Late payment fee	Rs 500 flat
Cash advance fee	5% or Rs 500, whichever is higher; cash limit up to 20% of credit limit
Eligibilityunverified	Existing Utkarsh customers (savings, current, FD or loan account) by pre-approved link; resident Indian aged 21-65 (18-65 for FD-backed variant), per aggregators
Fine-print notes	KFS names Mastercard and 42 Card Solutions as service provider; cardinsider adds a RuPay variant. KFS: over-limit fee Rs 500, returned payment 2.5%, replacement Rs 500, interest-free up to 50 days, 'up to 3% per month'. Aggregators say an FD-backed variant exists at 2.5% a month. Status set to invite-only because aggregators say it goes to existing customers by pre-approved link; the dedicated product page on utkarsh.bank.in could not be fetched.

Questions

What is the annual fee of the Utkarsh Eternal Credit Card?: Rs 1,999 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
Does the Utkarsh Eternal Credit Card give airport lounge access?: No lounge access is listed for this card.
What is the forex markup on the Utkarsh Eternal Credit Card?: 3% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Utkarsh Eternal Credit Card?: Wallet recharges, financial institutions, government services, charities, foreign currency purchases, insurance, railway, mutual funds, education, transport, fuel, utility payments (KFS lists ineligible types; full list per cardinsider)