Utkarsh Small Finance Bank · Entry
SmartGen Credit Card
Where it ranks across all 187 cards
#35 EMI
1.0%
direct
#64 Jewellery & watches
1.0%
direct
#71 Gaming
1.0%
direct
#78 Mobile / broadband
1.0%
direct
#96 Other
1.0%
direct
#97 Health & pharmacy
1.0%
direct
#100 Electronics
1.0%
direct
#104 Hotels
1.0%
direct
#105 Flights
1.0%
direct
#109 Online shopping
1.0%
direct
#110 Food delivery
1.0%
direct
#110 Fashion
1.0%
direct
#111 Movies & events
1.0%
direct
#112 Groceries
1.0%
direct
#118 Dining out
1.0%
direct
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Reward rules1 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: Utkarsh SmartGen 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 Smartgen 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 Smartgen 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 Smartgen 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 Smartgen 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 Smartgen 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 Smartgen 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 Smartgen 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 Smartgen 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 Smartgen Credit Card - Key Fact Statement - utkarsh.bank.in - read 4 Oct 2026