Wish Credit Card
Utkarsh Small Finance Bank Wish Credit Card is a game changer that seamlessly integrates with your digital lifestyle while offering attractive cash back on UPI which you can't miss. Discover how Wish Credit Card can streamline your spending by exploring the benefits and features below.
Get
Rewards
1 reward point on every 100 spends on debit card
Get
15% discount
1 reward point on every 100 spends on debit card
Get
Free
Cash withdrawal on Utkarsh Bank ATMs
No Joining Fee
No Annual Fee
3% reward points* on recharge and bill payments through PhonePe app (Please refer MITC for details)
1% reward points* on select online brands (Please refer MITC for details)
1% reward points* on scan & pay through PhonePe app (Please refer MITC for details)
200 rewards points* on milestone spends of Rs 15,000/month (Please refer MITC for details)
T&C Apply*
For Individual Customer with Valid PAN details, Mobile no & Email ID.
Has to be an Indian Resident
Age Limit: 18 to 80 years ( FD Backed Credit Card)
Visit PhonePe app & apply for Wish Credit Card, it’s a do it yourself journey.
Customers to ensure that their latest KYC details are updated.
Visit PhonePe app & apply for Wish Credit Card, it’s a do it yourself journey.
Customers to ensure that their latest KYC details are updated.
No additional documents are required
Limits and Charges
| Annual Fees | Nil |
| Joining Fees | Nil |
| Interest Free Period | Upto 45 days |
| Late Payment Fees | 10% of outstanding amount (Total Amount Due less any payments received by the payment due date), capped at Rs 1250 |
| Service Charge | NIL |
| Finance Charge [APR] | Up to 3% per month (equivalent to 36% annual percentage rate). Same rate is applied for overdue balances. a. Revolving Credit b. Cash Advances c. Overdue Interest d. Charges in case of default |
| Cash Withdrawal Limit | Upto 20% |
| Physical Card Fee | ₹249/- |
| Supplementary Card Annual Fees | No annual fee or joining fee |
| Cash Advance Fees | On Domestic Cash advance 5% or Rs. 25, whichever is higher On International Cash advance 5% or Rs. 500, whichever is higher |
| Goods & Services Tax | 18% on fees/charges & interest |
| E-statements | NIL |
Customer will receive active-Virtual card within few minutes of onboarding journey from PhonePe app.
From PhonePe app itself customer can generate PIN & also set up for UPI.
Enjoy your Utkarsh SFBL Credit Card, which offers you a host of benefits.
MITC ( Click here to download)
Key Fact Statement ( Click here to download)
Card Member Agreement( Click here to download)
Utkarsh Bank's Approved Credit Card Policy( Click here to download)
Do's
Create a strong, unique password for your Credit Card online transactions.
Always memorise your Personal Identification Number (PIN) and change it on a regular basis.
Set a limit on your domestic transaction channels (ECOM/POS//ATM) after receiving your Credit Card in order to transact.
In case of international transactions, enable international channels only when it is required or while you travel abroad.
Regularly review your Credit Card statements for any unauthorised transactions
In case of loss/theft of card, Block or Freeze card from PhonePe app or call our customer care number 1800-309-7986 or send an email to securedcc@utkarsh.bank and get your card hot-listed.
Don'ts
Never share your Credit Card number, PIN or CVV with anyone over the phone or online.
Do not allow anyone else to use your Card or enter your PIN for you.
Avoid using easily guessable information like birthdates or sequential numbers for your PINs or passwords
Do not write down your PINs or passwords or store them in easily accessible places.
Beware of phishing - do not respond to emails, SMS, or calls asking for your card details or personal information.
Do not use your Credit Card on untrusted or unfamiliar websites.
Remember to follow bank's specific security guidelines and contact us immediately if you suspect any unauthorised activity on your Credit Card.
Loan calculator
|
Interest Rate 8.00% |
Interest Earned 3,50,452 |
|
Maturity Value 13,50,452 |
Maturity Date 20 Apr 2023 |
|
(Indicative interest rates for calculation only. click here for latest rates.) |
|
You may also be interested in
Savings
Earn up to 7.50 %* on your Savings Account and get interest credited quarterly
Deposits
Earn interest rates up to 7.50 %* p.a. and 8.00 %* p.a. for Senior Citizens
Loans
Get Loan amount upto 10 Crores with Flexible Tenure upto 15 years
Insurance & Investment
Turn your surplus funds into security, for a better tomorrow
Location
You are never too far away from quick banking, check nearest Bank and ATM
Contact
Incase you wish to speak to our banking experts for resolution
Write to us
Whether it be a simple suggestion or feedback or an inquiry.