ESAF Small Finance Bank
Data verifiedESAF Bank RuPay Platinum
A straightforward lifetime-free option when large private banks decline the application.
1 pt per ₹100 incl. UPI
Annual fee
Lifetime free
Utkarsh Small Finance Bank · RuPay
Utkarsh Bank RuPay Platinum
Accessible lifetime-free card for applicants with thin credit files, UPI enabled.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Lifetime free — no joining or annual fee.
- No spend condition to keep the card active.
- Headline earn rate: 1 pt per ₹100 incl. UPI.
- No complimentary airport lounge access on this card.
Also worth comparing for small-town first card
IDFC FIRST Bank
ReviewedIDFC FIRST Select
Lifetime free with never-expiring points and a 10x rate above ₹20,000 monthly spend.
Up to 10x reward pointsLounge access
Annual fee
Lifetime free
SBI Card
Data verifiedSBI Card Unnati
Issued against a fixed deposit, so approval works even with no credit history.
1 pt per ₹100
Annual fee
Lifetime free
Ready to apply for the Utkarsh Bank RuPay Platinum?
Takes under a minute. We hand you off to Utkarsh Small Finance Bank's official secure application — no middlemen, no data resold.