Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured) review: fees, rewards and eligibility
The Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured) has a recorded annual fee of ₹0 and a base earn of 0.5% in Cashback. CardMasters checked its issuer terms on 2026-08-06. Affiliate commission never changes ranking; confirm final terms and approval with Utkarsh Small Finance Bank (via super.money / Flipkart group).
Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured): short answer
The Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured) is in the entry tier of Utkarsh Small Finance Bank (via super.money / Flipkart group) credit cards, with a joining fee of ₹0, an annual fee of ₹0, a base earn of 0.5% in Cashback and a 3.5% forex markup. Rewards are not earned on fuel, rent, wallet load. It suits credit builder, upi credit, no income proof spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-06. Confirm final terms with the issuer.
Reward structure
0.5% base rewards in Cashback.
- 5% value on Myntra — 5% off Myntra, 3% Cleartrip, 2% Flipkart (offer-based, subject to change)
Eligibility and important limits
The issuer does not publish a card-specific approval cutoff in the current source. No income or bureau-score requirement — the card is secured against a fixed deposit, which sets the credit limit. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load.
Frequently asked questions
What is the annual fee for the Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured)?
The Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured) currently has no annual fee in our record. Lifetime free; secured against FD of ₹100 to ₹10L.
How do rewards work on the Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured)?
0.5% base rewards in Cashback. Accelerated routes include 5% value on Myntra. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured)?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load. Merchant category coding and issuer terms determine final eligibility.
Who should consider the Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured)?
It is most relevant for people focused on credit builder, upi credit, no income proof. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured) worth it?
With no recorded annual fee, the Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured) costs nothing to hold, so it is worth keeping if it adds a reward category or benefit your existing cards do not cover. A free card is still not worth using where another card in your wallet earns more.
What is the eligibility for the Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured)?
No income or bureau-score requirement — the card is secured against a fixed deposit, which sets the credit limit. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured)?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured) offer airport lounge access?
Domestic lounge access: none. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.