Utkarsh Small Finance Bank superCard Credit Card
Comprehensive review of Utkarsh Small Finance Bank superCard Credit Card by Utkarsh Small Finance Bank — fees, reward earning rates, airport lounge access, and key benefits.
Utkarsh Small Finance Bank superCard Credit Card
Card overview
- Joining fee
Lifetime Free
- Annual fee
Lifetime Free
- Best suited for
UPI
- Reward type
Cashback
Rewards & cashback
- Rewards rate
5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions
- Welcome benefits
None
- Reward redemption
Cashback on the super.money App, Which Can Be Directly Credited to Your Bank Account
Fees & charges
- Foreign currency markup
3.5%
- Interest rates
Up to 3% Monthly (36% Annually)
- Cash advance charges
5% or ₹25, Whichever is Higher
Product highlights
- This is an FD-backed credit card. Users shall get an instant credit card with 100% approval on making a Fixed Deposit.
- This card has been launched by super.money and Utkarsh Small Finance Bank.
- The superCard comes without any joining or annual charges. It is available as lifetime free.
- With superCard, users receive a flat 1% cashback on all UPI and non-UPI transactions. Additionally, they can earn exclusive cashback on Myntra (5%), Cleartrip (3%), and other purchases (2%) that are non-UPI.
Pros & cons
Pros
- 1% cashback on all UPI and Non-UPI spends.
- Earn 6.5% interest on the FD amount.
- 5%, 3%, & 2% cashback on non-UPI spends on Myntra, Cleartrip & Flipkart respectively.
- This is a great secured credit card for beginners (in our opinion). Students, freshers, or youngsters in general can opt for this card by simply creating a fixed deposit of a minimum of ₹100. This amount is quite low when compared to secured credit cards offered by other issuers.
Cons
- Cashback across all partner platforms like Myntra, Flipkart, and Cleartrip is capped at just ₹500 for each statement cycle.
Frequently asked questions
What is superCard in super.money app?
The superCard is a secured credit card that is offered against a fixed deposit. Launched by super.money in partnership with Utkarsh Small Finance Bank, this card provides up to 5% cashback on popular online platforms such as Myntra, Flipkart, and Cleartrip.
How can I contact customer support for superCard Credit Card?
In case of theft, loss, or any other grievances, customers can contact superCard Credit Card customer support by calling at 1800-309-7986 or mailing at [email protected].
What is the minimum deposit amount for the superCard?
Those who wish to opt for the superCard Credit Card would need to have a fixed deposit of at least ₹100.
What is the rate of interest offered by superCard for the fixed deposit?
A fixed deposit is needed for the superCard Credit Card, which offers an interest of 6.5% each year.
How much do I have to pay to receive the physical superCard?
If the fixed deposit amount is less than ₹10,000, then users would need to pay ₹249 to obtain a physical superCard credit card.