All cards / Ujjivan Small Finance Bank (BOBCARD)
USFB Elite Credit Card
Visa
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.
Rates and fees last verified 19 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
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.
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate · Accelerated earning of 10 reward points per ₹100 spent on dining and travel transactions, versus 1 point per ₹100 on other spends
- ✈️ Travel
10% reward rate · 2 complimentary domestic airport lounge visits every calendar quarter
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 2 complimentary domestic airport lounge visits every calendar quarter
- Accelerated earning of 10 reward points per ₹100 spent on dining and travel transactions, versus 1 point per ₹100 on other spends
Pros
- + No joining fee and no annual fee at any spend level
- + 10 reward points per ₹100 on dining and travel — a clear step up from typical zero-fee cards
- + 2 complimentary domestic lounge visits per quarter
- + Positioned as an accessible upgrade path from the co-branded USFB Platinum card
Cons
- − Only available to existing Ujjivan Small Finance Bank customers, not open to the general public
- − 3.5% forex markup is on the higher side for overseas spenders
- − Reward point value and redemption options are less transparently documented than mainstream bank cards