SmartGen KFS

Utkarsh Small Finance Bank Credit Card
Key Fact Statement

Card Issuing Bank Utkarsh Small Finance Bank Card Type Credit Card
Service Provider 42 Card Solutions Pvt. Ltd Card Association Rupay
Eligibility Individuals – Indian citizens and residents
FEES & CHARGES
No annual fee or joining

Annual Fees No annual fee or joining fee Supplementary Card Annual Fees
fee
Interest Free Period Upto 50 days Service Charges for transaction NIL
Cash advance 5% or Rs.
Late Payment Fees Rs. 500/- Cash Advance Fees
500, whichever is higher
Cash Available Limit upto 20%
3% of the value of the
Up to 3.6 % per month (equivalent to 43.2% foreign currency transaction
annual percentage rate). after conversion to Indian
Finance Charge a. Revolving credit Foreign Currency Surcharge
Rupees using Visa currency
(APR) b. Cash Advances conversion at transaction
c. Overdue Interest point
d. Charges in case of default
2.5% of the value of the

Overlimit Fees Rs.500/- Return payment charge
returned payment
Card Replacement 18% on fees/charges &
Rs.500/- Goods & Services Tax
Fee interest
E-Statements Nil Physical Statement Rs. 50 per statement
KEY TERMS
If You do not recognize any Transaction on Your Statement, You should raise a dispute by calling or emailing Us
at the number(s) / email address provided for the same. This should be done within 15 days from the Statement
date. While we investigate whether there has been an error, the following are true:
We cannot try to collect the amount in question or report you as delinquent on that amount.
Billing & Statement
Dispute Resolution The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
But if we determine that we made a mistake you will not have to pay the amount in question or any interest thereof
or other fees related to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We
can apply any unpaid amount against your credit limit.
For any Billing related issues, you should raise a dispute by calling us on 1800 309 3665 or emailing us at
creditcards@utkarsh.bank.
Monthly Credit Card Statements will be sent by email to You at the email address provided by You. You may
Billing Cycle & Mode of
request a printed statement by post. Credit Card Statements will be generated 20 days prior to Your Payment Due
Communication
Date
You have the following channels to make payments to Your Credit Card Account:
Credit Card Payment NEFT & RTGS (only) funds transfer from another bank using IFSC UTKS0001375
Channels
Add beneficiary as BIZ+Mobile Number+Last 4 digits of your Card Number. Also, provide above mentioned IFSC
Code & the repayment amount to complete the transaction.
The period from time from the Statement date to the Payment Due Date. You may pay the Total Amount Due
Interest Free Period during this period to avoid payment of Finance Charges except in the case of Cash Advance Transactions. The
Interest Free Credit Period shall be suspended if the Total Amount Due remains unpaid by the Payment Due Date.
This is the maximum indebtedness that can be incurred at any point in time by You and Your Add-on Cardholders
on the Credit Card Account as determined at the Bank’s sole discretion. Further, the bank may review Your account
periodically and it reserves the right to decrease or cancel Your credit limit based on transaction patterns,
Credit Limit
repayment behaviour and other internal criteria. This will be informed to You via the Bank's app and/or via email
and SMS
The credit limit given to you on your card is mentioned in the Welcome Letter.
It is the amount available for purchases on Your credit card as on date and tells you how much You can spend on
Available Credit Limit
Your credit card before You reach Your credit limit.
A percentage of the Credit Limit on the Credit Card Account that can be used to perform Cash Advance
Cash Available Limit
Transactions and determined at the bank’s sole discretion.
The Minimum Amount Due will be 10% of Your Total Amount Due plus any amounts that are overdue and / or over
Minimum Amount Payable
the Credit Limit.
CONTACT DETAILS
Call Center Phone Number 18003093665 (all calls to / from Our call center may be recorded)
Email Address creditcards@utkarsh.bank
Mailing Address Utkarsh Small Finance Bank Limited, Utkarsh Tower,NH-31(Airport Road),Sehmalpur,
Kazi Sarai, Harhua, Varanasi, PIN – 221105, Uttar Pradesh
Grievance Redressal In the event You are not satisfied with Our responses to Your inquiries, Our handling of any of Your
service requests or complaints, You may write to Our grievance department the details of which may be
accessed at: https://www.utkarsh.bank
The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting at
www.utkarsh.bank. For more information on complete terms, eligibility, choosing and using credit cards visit our website www.utkarsh.bank..
List of Ineligible transactions for cashback*
*SI No Ineligible Transactions
1 Wallet recharges
2 Financial Institutions
3 Government services
4 Charities
5 Foreign Currency Purchase
6 Insurance
7 Railway
8 Mutual Funds
9 Education
10 Transport
11 Fuel
Utility Payments (Electricity,

12 Telephone, Internet, Water etc

SmartGen KFS

Uploaded by

Copyright:

Available Formats

SmartGen KFS

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

SmartGen KFS

Uploaded by

Copyright:

Available Formats

Utkarsh Small Finance Bank Credit Card

Key Fact Statement

Service Provider 42 Card Solutions Pvt. Ltd Card Association Rupay

Eligibility Individuals – Indian citizens and residents

FEES & CHARGES

No annual fee or joining

2.5% of the value of the

Code & the repayment amount to complete the transaction.

List of Ineligible transactions for cashback*

*SI No Ineligible Transactions

Utility Payments (Electricity,

You might also like