Utkarsh Small Finance Bank · Entry · lifetime free
superCard
Where it ranks across all 187 cards
#14 Fashion
5.0%
at Myntra
direct
#44 Online shopping
2.0%
at Flipkart
direct
#72 Gaming
1.0%
direct
#79 Mobile / broadband
1.0%
direct
#87 Train tickets
1.0%
direct
#97 Other
1.0%
direct
#98 Health & pharmacy
1.0%
direct
#101 Electronics
1.0%
direct
#105 Hotels
1.0%
direct
#106 Flights
1.0%
direct
#111 Food delivery
1.0%
direct
#112 Movies & events
1.0%
direct
#113 Groceries
1.0%
direct
#119 Dining out
1.0%
direct
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Reward rules3 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: Utkarsh superCard - Features & Benefits - utkarsh.bank.in - read 4 Oct 2026
5% cashback on non-UPI spends on Myntra
5.00%this rule
5% cashback
source
Source: Utkarsh superCard - MITC - utkarsh.bank.in - read 4 Oct 2026
2% cashback on non-UPI spends on Flipkart, capped at Rs 100/transaction
2.00%this rule
2% cashback
source
Source: Utkarsh superCard - MITC - 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 on6 exclusions
Government / tax
earns nothing
Govt related transactions do not earn cashback
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Utkarsh superCard - Most Important Terms & Conditions (MITC) - utkarsh.bank.in - read 4 Oct 2026
Rent, Wallet load
earns nothing
Rent payments, wallet loads, gift/prepaid card loads and voucher purchases do not earn cashback
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent, Wallet load
Source: Utkarsh superCard - Most Important Terms & Conditions (MITC) - utkarsh.bank.in - read 4 Oct 2026
Jewellery & watches
earns nothing
Purchase of gold/jewellery does not earn cashback
→ use Tata Neu Infinity HDFC here (5.0%)
detail & source
categories: Jewellery & watches
Source: Utkarsh superCard - Most Important Terms & Conditions (MITC) - utkarsh.bank.in - read 4 Oct 2026
Insurance, Cabs & transit, Utility bills
earns nothing
Insurance, post office, transit (transport) and utilities payments do not earn cashback
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance, Cabs & transit, Utility bills
Source: Utkarsh superCard - Most Important Terms & Conditions (MITC) - utkarsh.bank.in - read 4 Oct 2026
Education, Fuel
earns nothing
Education and fuel transactions do not earn cashback
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education, Fuel
Source: Utkarsh superCard - Most Important Terms & Conditions (MITC) - utkarsh.bank.in - read 4 Oct 2026
EMI
earns nothing
EMI transactions (EasyEMI/SmartEMI/Dial-an-EMI) do not earn cashback
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Utkarsh superCard - Most Important Terms & Conditions (MITC) - utkarsh.bank.in - read 4 Oct 2026