BOBCARD UJJIVAN SFB Elite
BOBCARD (Bank of Baroda) · Open to apply
A lifetime-free RuPay card from BOBCARD with Ujjivan Small Finance Bank: 2 points per ₹100 and 10 points per ₹100 on dining, international and travel spends up to 2,000 points a statement, 2 domestic lounge visits a quarter, points worth ₹0.25 each.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 2 points per ₹100 on other spends: 2 BOBCARD Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹25,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Extra 20 points per ₹100 on hotels booked on BOBCARD SmartDeal: 20 BOBCARD Reward Points per ₹100 on top of the base rate (about 5% at cash value)
- 10 points per ₹100 on international spends: 10 BOBCARD Reward Points per ₹100 (about 2.5% at cash value)
- 10 points per ₹100 on dining (MCC 5812): 10 BOBCARD Reward Points per ₹100 (about 2.5% at cash value)
- Extra 8 points per ₹100 on flights booked on BOBCARD SmartDeal: 8 BOBCARD Reward Points per ₹100 on top of the base rate (about 2% at cash value)
Earns nothing on
- No points on fuel (MCCs 5172, 5541, 5542, 5983)
- No points on rent (MCC 6513)
- No points on government payments (MCCs 9211, 9222, 9311, 9399, 9402, 9405)
- No points on education (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
- No points on wallet loads (MCCs 6539 to 6543)
- No points on insurance (MCCs 5960, 6300)
- No points at supermarkets, convenience and variety stores (MCCs 5261, 5331, 5411, 5499)
- No points on toll and road fees (MCC 4784)
- No points on railway bookings (MCC 4112)
- No points on fast food (MCC 5814), taken to include Swiggy and Zomato
Where the sources disagree
- 5X categories: The product page lists dining and travel for the 10-point rate; the 2 Nov 2026 features T&C names international spends, dining (5812) and travel (4722). Both are entered where a category exists.
- Accelerated points cap: The product page's footnote says 5X rewards are capped at 1,000 reward points a statement cycle; the 2 Nov 2026 features T&C table gives 2,000 for UJJIVAN-SFB Elite (1,000 for Platinum). We enter the T&C's 2,000.
Terms the calculator does not value
- 10 points per ₹100 also apply at travel agencies and tour operators (MCC 4722). No calculator category isolates that MCC, so travel bookings earn the core rate here.
- The MITC gives no welcome points to the Ujjivan cards; the July 2026 notice's list of cards losing accident cover includes an 'Elite' whose issuer is not stated.
- Food delivery apps (Swiggy, Zomato) are assumed to be fast food, MCC 5814, and so excluded from all points.
- Other MCCs that earn nothing and have no calculator category: agriculture, contractors, the transportation MCCs 4111, 4131 and 4789, personal and civic services (7211, 7230, 7276, 7349, 8111, 8641), hospitals (8011, 8062; our health category also holds pharmacies and is not excluded) and charity (8398, 8661). Transactions under ₹100 earn nothing.
Sources
- BOBCARD Ujjivan SFB Elite product page (Product page, the bank's own, read 6 Nov 2026)
- BOBCARD Key Fact Statement (PDF created 17 Jul 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- BOBCARD Consolidated MITC, version GENERIC MITC 2.0 JULY2026 (PDF created 7 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- BOBCARD Product Features, Important Terms and Conditions (2 Nov 2026 edition) (Reward terms, the bank's own, read 6 Nov 2026)
- BOBCARD notice, Revision in Product Features and Charges w.e.f. 1st April 2026 (PDF created 2 Mar 2026) (Bank notice, the bank's own, read 6 Nov 2026)