Utkarsh Small Finance Bank · Mid
Eternal Credit Card
Where it ranks across all 187 cards
#8 EMI
1.3%
direct
#27 Jewellery & watches
1.3%
direct
#28 Gaming
1.3%
direct
#29 Mobile / broadband
1.3%
direct
#37 Other
1.3%
direct
#41 Health & pharmacy
1.3%
direct
#46 Electronics
1.3%
direct
#53 Flights
1.3%
direct
#53 Hotels
1.3%
direct
#56 Fashion
1.3%
direct
#57 Dining out
1.3%
direct
#58 Groceries
1.3%
direct
#58 Food delivery
1.3%
direct
#59 Online shopping
1.3%
direct
#60 Movies & events
1.3%
direct
#5 Rent
0.3%
direct
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Reward rules1 direct
Base rate - everything not covered below
1.25%base rate
1.25% cashback
source
Source: Utkarsh Eternal Credit Card - Features & Benefits - utkarsh.bank.in - read 4 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on9 exclusions
Wallet load
earns nothing
Wallet recharges do not earn cashback
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Utkarsh Eternal Credit Card - Key Fact Statement - utkarsh.bank.in - read 4 Oct 2026
Government / tax
earns nothing
Government services transactions do not earn cashback
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Utkarsh Eternal Credit Card - Key Fact Statement - utkarsh.bank.in - read 4 Oct 2026
International transactions
earns nothing
Foreign currency purchases do not earn cashback
detail & source
international: yes
Source: Utkarsh Eternal Credit Card - Key Fact Statement - utkarsh.bank.in - read 4 Oct 2026
Insurance
earns nothing
Insurance payments do not earn cashback
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: Utkarsh Eternal Credit Card - Key Fact Statement - utkarsh.bank.in - read 4 Oct 2026
Train tickets
earns nothing
Railway transactions do not earn cashback
→ use IRCTC SBI Card here (10.0%)
detail & source
categories: Train tickets
Source: Utkarsh Eternal Credit Card - Key Fact Statement - utkarsh.bank.in - read 4 Oct 2026
Education
earns nothing
Education payments do not earn cashback
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education
Source: Utkarsh Eternal Credit Card - Key Fact Statement - utkarsh.bank.in - read 4 Oct 2026
Cabs & transit
earns nothing
Transport transactions do not earn cashback
→ use FIRST Private here (6.6%)
detail & source
categories: Cabs & transit
Source: Utkarsh Eternal Credit Card - Key Fact Statement - utkarsh.bank.in - read 4 Oct 2026
Fuel
earns nothing
Fuel transactions do not earn cashback
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Utkarsh Eternal Credit Card - Key Fact Statement - utkarsh.bank.in - read 4 Oct 2026
Utility bills
earns nothing
Utility payments (electricity, telephone, internet, water) do not earn cashback
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills
Source: Utkarsh Eternal Credit Card - Key Fact Statement - utkarsh.bank.in - read 4 Oct 2026