All cards / Ujjivan Small Finance Bank (BOBCARD)
USFB Elite Credit Card
Issued by BOBCARD exclusively for Ujjivan Small Finance Bank customers, the USFB Elite card is a zero-fee travel-and-dining card that sits above the co-branded Platinum variant, offering quarterly lounge access and a meaningfully higher reward rate on dining and travel without ever charging a joining or annual fee.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits every quarter
- International lounge access: None
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate (capped ₹250/monthly) · 5X rewards (10 reward points per ₹100) on dining and travel, capped at 1,000 points per statement cycle; 2 points per ₹100 on other spends; 1 point = ₹0.25
- ✈️ Travel
2.5% reward rate (capped ₹250/monthly) · 2 complimentary domestic airport lounge visits every calendar quarter
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹5,000 transactions, up to ₹250 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 23–65
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle (no reward points on fuel)
Benefits
- 2 complimentary domestic airport lounge visits every calendar quarter
- 5X rewards (10 reward points per ₹100) on dining and travel, capped at 1,000 points per statement cycle; 2 points per ₹100 on other spends; 1 point = ₹0.25
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, up to ₹250 per statement cycle
Pros
- + No joining fee and no annual fee at any spend level
- + 5X rewards (10 points per ₹100) on dining and travel
- + 2 complimentary domestic lounge visits per quarter
- + Free add-on card and UPI-enabled RuPay card
Cons
- − 5X rewards capped at 1,000 points per statement cycle
- − 3.5% forex markup is on the higher side for overseas spenders
- − No reward points on fuel spends
Best for