superCard (Utkarsh SFB x super.money)
Utkarsh Small Finance Bank · Open to apply
A digital RuPay credit card from Utkarsh Small Finance Bank and super.money, issued against a fixed deposit. Since 11 August 2025 it earns 1% cashback on all spends: card spends up to ₹10,000 of cashback a statement month and UPI spends through the super.money app up to ₹500 a month. No joining or annual fee.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 1% on non-UPI card spends: 1% in superCard cashback (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- Nothing on UPI payments outside the super.money app
- No cashback on government, rent, wallet loads, gift and prepaid cards, jewellery, insurance, education, fuel, cash advances and EMI
- No cashback on utilities
Where the sources disagree
- preferred-merchant campaign: The product page still advertises 5% at Myntra and 2% at Flipkart; the MITC (21 May 2026) says the campaign is valid till 30 June 2026 unless extended in the app. No extension is published, so the rules are entered with an end date of 2026-06-30.
- interest rate on the product page: The product page says "up to 3% per month"; the KFS and MITC of 21 May 2026 say 3.5% from 21 June 2026. We use the KFS and MITC.
Terms the calculator does not value
- The late payment fee is a percentage of the outstanding amount (10% capped at ₹1,250 above a ₹2,000 limit); the schedule takes only slabs by amount, so no late fee is entered.
- UPI cashback applies only to payments made through the super.money app and is also governed by super.money's own UPI terms. Transactions under ₹100 earn nothing.
- The fixed deposit that backs the card earns the bank's deposit interest; that interest is not part of the card's value. The deposit is lien-marked and can be liquidated against unpaid dues.
- The MITC also excludes agriculture and contractor services, post office and transit MCCs and payment of outstanding balances and card fees; these are not mapped to a spend category (tolls are not entered as transit), so they are not entered.
Sources
- Utkarsh superCard product page (features, eligibility, limits and charges, FAQs) (Product page, the bank's own, read 6 Nov 2026)
- superCard Key Fact Statement (version 21 May 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- superCard MITC (version 21 May 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- superCard Cardholder Agreement and Terms and Conditions (version 11 Jul 2025) (Reward terms, the bank's own, read 6 Nov 2026)