All cards / Ujjivan Small Finance Bank (BOBCARD)
USFB Platinum Credit Card
The USFB Platinum is the everyday, zero-fee entry point in Ujjivan Small Finance Bank's co-branded BOBCARD credit card pair — a basic spending card with fuel surcharge waivers and flat reward point earning, meant as a first credit card for existing USFB customers who may later upgrade to the richer USFB Elite variant.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.2%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in fuel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.2% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- 🛒 Groceries
1% reward rate (capped ₹200/monthly)
- ⛽ 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: 650
- 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
- 5X rewards (5 points per ₹100) on apparel and grocery spends, capped at 1,000 points per statement cycle; 1 point per ₹100 elsewhere; 1 point = ₹0.20
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, up to ₹250 per statement cycle
Pros
- + No joining fee and no annual fee
- + 5X rewards on apparel and grocery spends
- + Up to 3 lifetime free add-on cards
- + Up to 50 days interest-free credit
Cons
- − No lounge access
- − Low base reward of 1 point (₹0.20) per ₹100 and 5X capped at 1,000 points per cycle
- − 3.5% forex markup on international spends