{"id":86513,"date":"2026-04-17T17:58:04","date_gmt":"2026-04-17T12:28:04","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86513"},"modified":"2026-04-17T17:58:13","modified_gmt":"2026-04-17T12:28:13","slug":"utkarsh-smartgen-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/utkarsh-smartgen-credit-card\/","title":{"rendered":"Simplify Daily Spends with the Utkarsh SmartGen Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 1% cashback on all eligible transactions.<\/li>\n\n\n\n<li>The annual fee of \u20b9199 is waived on spending \u20b950,000 yearly.<\/li>\n\n\n\n<li>The credit limit for the secured SmartGen credit card is 100% of the FD amount.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The Utkarsh SmartGen Credit Card is designed for simple and smooth everyday use. It is available in both secured and unsecured options.<\/p>\n\n\n\n<p>The card comes with no joining fee and an annual fee of \u20b9199, which can be waived. With easy features and flexible usage, it helps you manage daily transactions without any hassle.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#utkarsh-smart-gen-credit-card-benefits\">Utkarsh SmartGen Credit Card Benefits<\/a><\/li><li><a href=\"#utkarsh-smart-gen-credit-card-charges\">Utkarsh SmartGen Credit Card Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"utkarsh-smart-gen-credit-card-benefits\"><strong>Utkarsh SmartGen Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Utkarsh-SmartGen-Benefits-1024x682.jpg\" alt=\"Utkarsh SmartGen Credit Card Benefits\" class=\"wp-image-86515\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Utkarsh-SmartGen-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Utkarsh-SmartGen-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Utkarsh-SmartGen-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Utkarsh-SmartGen-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Utkarsh-SmartGen-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Earn 1% cashback on all eligible transactions, which helps you save on your everyday spending.<\/p>\n\n\n\n<p>So, what are the other features of the Utkarsh SmartGen Credit Card that make it worthwhile?<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Add-on Cards:<\/strong> Supplementary cards are available at no extra cost, making it easy to share benefits with family members.<\/li>\n\n\n\n<li><strong>Interest-Free Period:<\/strong> Enjoy an interest-free period of up to 50 days, which gives you flexibility in managing your payments.<\/li>\n\n\n\n<li><strong>Fuel Waiver:<\/strong> Get 1% fuel surcharge refund on transactions between \u20b9400 and \u20b95,000, which helps reduce fuel expenses.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"utkarsh-smart-gen-credit-card-charges\"><strong>Utkarsh SmartGen Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.utkarsh.bank.in\/personal\/cards\/credit-card\/smartgen\" target=\"_blank\" rel=\"noopener\">SmartGen card<\/a> carries a finance charge of 3.6% per month, which equals 43.2% annually. These charges apply to revolving credit, cash advances, overdue balances and in case of payment defaults.<\/p>\n\n\n\n<p>The table below illustrates the other charges levied on the SmartGen card.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Late Payment Fees<\/td><td>\u20b9500<\/td><\/tr><tr><td>Cash Advance Fees<\/td><td>5% or \u20b9500, whichever is higher<\/td><\/tr><tr><td>Overlimit Fees<\/td><td>2.5% or min. \u20b9500<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>\u20b9500<\/td><\/tr><tr><td>Foreign Currency Surcharge<\/td><td>3%<\/td><\/tr><tr><td>Return Payment Charge<\/td><td>2.5%<\/td><\/tr><tr><td>Physical Statement<\/td><td>\u20b950\/statement<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Experience seamless credit card bill payment with <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a>. Link all your credit cards to the app to get monthly payment reminders. Make secure payments and also track their status through one unified GST-compliant platform!&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Activate your credit card within 30 days of issuance to avoid automatic closure as per RBI guidelines.<\/li>\n\n\n\n<li>Applicants must be Indian residents. Age should be 21\u201365 years for unsecured cards and 18\u201365 years for FD-backed cards.<\/li>\n\n\n\n<li>A minimum FD of \u20b925,000 is required and the secured Utkarsh SmartGen Credit Card limit is 100% of the FD amount.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1776428666624\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to complete Utkarsh SmartGen Credit Card activation?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Visit the official portal and log in using your registered email. Select your card, verify details, set PIN, complete OTP verification and enable transaction channels.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776428677453\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I apply for the SmartGen Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You may receive a pre-approved link via email. Through the Utkarsh Bank Credit Card application process, ensure your KYC details are updated before applying.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776428690493\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What happens if the credit card expires?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You will receive an SMS or email 2 months before expiry. If your address has changed, update it to receive the renewed card.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The Utkarsh SmartGen Credit Card is designed for simple and smooth everyday use. It is available in both secured and unsecured options. The card comes with no joining fee and an annual fee of \u20b9199, which can be waived. With easy features and flexible usage, it helps you manage daily transactions without any [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":86514,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86513","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86513"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86513\/revisions"}],"predecessor-version":[{"id":86526,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86513\/revisions\/86526"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86514"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86513"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86513"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}