Issued by Utkarsh Small Finance Bank through super.money, against a fixed deposit. Every line below is taken from the issuer's own documents; open “Exact wording in the source” under any fee to see the words it comes from.
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Fees and charges
Joining fee
No joining fee, but a physical card costs ₹249 + taxes, ₹99 + taxes with a fixed deposit of ₹5,000 to ₹10,000, or nothing with ₹10,000 or more. ₹150 or ₹249 more is deducted if the deposit falls below that level, or you close the account, within 12 months
Exact wording in the source
“Joining Fee / Annual Nil”
“Rs 10,000 or Nil Rs 249 plus Rs 249 plus”
“Rs 5,000 and Rs 99 Rs 150 plus Rs 150 plus”
“below Rs 10,000 plus taxes”
“Others Rs 249”
“Any reduction in the deposit value below the qualifying”
Depends on your credit limit: nil below ₹100; 5% of the unpaid amount below ₹2,000; 10% of the unpaid amount, capped at ₹1,250, at ₹2,000 and above. The unpaid amount is the total due less payments made by the due date
5% of outstanding, plus unpaid past minimum dues, EMIs due, and 100% of fees, interest and taxes. If the total due is ₹100 or less, the whole amount is due
Exact wording in the source
“(a) 5% of the outstanding amount and;”
“(d) 100% of any fees, interest, charges and taxes”
“If TAD is less than equal to Rs 100, then MAD = TAD”
Covers ATM withdrawals and transfers from the card to your bank account. Fee 5% or ₹25, whichever is higher (₹500 minimum abroad). Interest 2.5% a month since 21 May 2026, from the day of the withdrawal or transfer until paid in full. Cash limit up to 80% of the credit limit, and may not be offered to every cardholder
Exact wording in the source
“or fund transfers to your Bank account”
“from the date of withdrawal/transfer until the date of full payment”
“facility may be unavailable to certain cardholders”
“On Domestic Cash advance 5% or Rs. 25, whichever is”
“On International Cash advance 5% or Rs. 500, whichever is”
1% cashback on UPI and non-UPI spends of ₹100 or more. UPI cashback only when paid through the super.money app. Cashback is held up to 30 days after settlement and expires after 2 years
Exact wording in the source
“Cardholders shall be eligible for 1% cashback on all their”
“transaction amount is greater than or equal to Rs 100”
“Cashback on UPI transactions is subject to transactions”
“an additional hold period of up to 30 days from the date of settlement”
“Cashback is valid only for 2 years from the date of accumulation.”
No cashback on government, agriculture or contractor services, rent, wallet or prepaid card loads, gift cards, vouchers, gold and jewellery, insurance, post office, transit, utilities, education, fuel, cash advances, card bill payments, card fees or any EMI
superCard Most Important Terms & Conditions, Utkarsh Small Finance Bank, Version: 21-May-2026. Read 27 Oct 2026. Clause 9 still lists Cleartrip as a current Preferred Merchant, after clause 5 says its cashback ended on 31 December 2025.
Card Fine Print is an independent, unofficial site, not affiliated with super.money, Utkarsh Small Finance Bank or any other card issuer. Fees change; the issuer's current documents always win over this page. This is not financial advice.