Utkarsh Small Finance Bank offers a range of debit cards designed to make everyday banking simple, secure, and convenient. Whether you need a debit card for shopping, online payments, cash withdrawals, or regular transactions, the bank provides different options to suit various customer needs and spending habits.
Debit cards have become an essential part of modern banking, allowing customers to make quick payments at stores and online, withdraw cash from ATMs, pay bills, and enjoy contactless transactions. Utkarsh Small Finance Bank debit cards also come with security features that help protect customers during their transactions. Depending on the card, customers may also get additional benefits and offers for shopping, travel, and other lifestyle needs.
Utkarsh Small Finance Bank offers debit cards across different card variants and payment networks, with varying features, transaction limits, and benefits. In this guide, we will explore some of the best Utkarsh Small Finance Bank debit cards, their key features, benefits, and how to choose the right card based on your banking and spending requirements.
RuPay Classic Domestic Debit Card
The Utkarsh RuPay Classic Domestic Debit Card is a simple and useful card for everyday banking needs. The card also offers useful features for regular spending. You can earn 1 reward point for every ₹100 spent using the card. It also provides access to various discounts and offers from partner brands. The Utkarsh RuPay Classic Domestic Debit Card also comes with certain insurance and protection benefits. These include zero-liability cover of up to ₹50,000, accidental death and permanent disability cover of up to ₹1 lakh, and air accidental death cover of up to ₹2 lakh. As a domestic debit card, it is meant for transactions within India and cannot be used for international transactions.
Platinum Domestic Debit Card
The Utkarsh RuPay Platinum Domestic Debit Card is for customers who want more features and benefits with their everyday banking. It can be used for shopping at stores, online payments, bill payments, and cash withdrawals at ATMs. One of the key benefits of this card is its reward program. You can earn 1 reward point for every ₹100 spent using the debit card. Cardholders can also enjoy discounts and special offers from various partner brands. The card comes with higher transaction limits, including an ATM withdrawal limit of up to ₹1 lakh per day and a shopping and online transaction limit of up to ₹3 lakh per day. The card also provides several insurance and protection benefits. It offers zero-liability coverage of up to ₹1 lakh in case of eligible unauthorized transactions. It also provides accidental death and permanent disability coverage of up to ₹2 lakh and air accidental death coverage of up to ₹5 lakh.
RuPay Select International Contactless Debit Card
The Utkarsh RuPay Select International Contactless Debit Card is a premium debit card designed for customers who want more benefits from their everyday spending. It is available to eligible Premium Savings and Current Account customers. The card offers 1 reward point for every ₹100 spent. It also provides access to special offers and lifestyle benefits, including complimentary gym membership, golf sessions, health check-ups, spa or salon services, and selected OTT subscriptions. Cardholders can also get airport lounge access, including one complimentary domestic lounge visit per calendar quarter at participating lounges, subject to the applicable spending requirement. The card also comes with useful insurance and protection benefits. It provides zero-liability coverage of up to ₹5 lakh for eligible unauthorized transactions. In addition, cardholders can get accidental death and permanent disability cover of up to ₹10 lakh and air accidental death cover of up to ₹20 lakh. These benefits are subject to conditions, such as completing eligible card transactions within the specified period before the accident or reporting a fraudulent transaction within the required time. The card also offers high transaction limits, with an ATM withdrawal limit of up to ₹3 lakh per day and online shopping and POS limits of up to ₹5 lakh per day. The first year’s annual fee is free, while the annual fee from the second year is ₹1,000.
RuPay Classic International Contactless Debit Card
The Utkarsh Bank RuPay Classic International Contactless Debit Card is a debit card for everyday spending in India as well as international transactions. One of its convenient features is contactless payment. For purchases of up to ₹5,000, you can simply tap the card on a contactless-enabled payment machine without entering your PIN. The card offers an ATM withdrawal limit of ₹50,000 per day, while the daily limit for POS shopping and online transactions is ₹2 lakh. The card also provides 1 reward point for every ₹100 spent. Cash withdrawals at Utkarsh Bank ATMs are free. In terms of protection, the card comes with Zero Liability Coverage of up to ₹2 lakh, Accidental Death and Permanent Disability Coverage of up to ₹1 lakh, and Air Accidental Death Coverage of up to ₹5 lakh, subject to the bank’s eligibility conditions. The card has an issuance fee of ₹250, while the first year’s annual fee is free. From the second year onwards, the annual fee is ₹250. For international transactions in foreign currency, a 3.5% cross-currency markup plus applicable taxes is charged.
Utkarsh Bank RuPay Platinum International Contactless Debit Card
The Utkarsh Bank RuPay Platinum International Contactless Debit Card is a premium debit card that can be used for shopping, online payments, and ATM withdrawals in India and abroad. It comes with worldwide acceptance, contactless payment, higher transaction limits, and reward points. With the contactless feature, you can simply tap the card on a compatible payment machine for purchases of up to ₹5,000 without entering your PIN. The card also allows you to earn 1 reward point for every ₹100 spent. The card has a daily ATM withdrawal limit of ₹2 lakh. The daily limit for both POS shopping and online transactions is ₹3 lakh. The card also comes with several protection benefits. These include Zero Liability Coverage of up to ₹3 lakh, Accidental Death and Permanent Disability Coverage of ₹2 lakh, and Air Accidental Death Coverage of up to ₹10 lakh, subject to the applicable conditions. The issuance fee is ₹300, while the annual fee is free in the first year and ₹300 from the second year onwards. International transactions attract a 3.5% cross-currency markup plus applicable taxes. The card also offers concierge services, but airport lounge access is not available.
Bottom Line
Utkarsh Small Finance Bank offers debit cards for different types of customers, from those looking for a simple card for everyday transactions to those who want premium benefits and higher spending limits. The RuPay Classic Domestic Debit Card is suitable for basic domestic banking needs, while the Platinum Domestic Debit Card offers higher transaction limits and additional benefits. For customers who frequently travel or want lifestyle and airport lounge benefits, the RuPay Select International Contactless Debit Card can be a more suitable option. The RuPay Classic International Contactless and RuPay Platinum International Contactless Debit Cards are useful for customers who need international transaction facilities along with contactless payments. Ultimately, the right Utkarsh debit card depends on your spending habits, preferred benefits, transaction requirements, and whether you need international usage.