All cards / Ujjivan Small Finance Bank (BOBCARD)
USFB Platinum Credit Card
Visa
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.
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
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.
Benefits by category
- ⛽ Fuel
Fuel surcharge waiver at listed fuel stations, standard for BOBCARD-issued entry cards
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Fuel surcharge waiver at listed fuel stations, standard for BOBCARD-issued entry cards
Pros
- + No joining fee and no annual fee
- + Simple flat reward earning with no complicated category math
- + Fuel surcharge waiver on transactions at listed stations
- + Accessible eligibility bar suited to first-time credit card holders
Cons
- − No accelerated categories or lounge access — the USFB Elite variant offers meaningfully more for the same zero fee
- − Only available to Ujjivan Small Finance Bank account holders
- − 3.5% forex markup on international spends