Introducing Ujjivan Rewardz: Banking That Rewards You

June 09, 2025

At Ujjivan Small Finance Bank, we believe your loyalty deserves to be rewarded. That's why we've created Ujjivan Rewardz, a loyalty program that adds value to your everyday banking. Whether you’re making payments, transferring funds, or using any of Ujjivan SFB’s services – if you have an account with us, you earn points for almost every activity. These points can later be redeemed for exciting vouchers, discounts, travel bookings, and many more goodies.

In this blog, we'll introduce what Ujjivan Rewardz is all about and how it benefits you, the customer, in a warm and easy-to-understand way.

What is Ujjivan Rewardz?

Ujjivan Rewardz is the loyalty program for Ujjivan SFB customers, designed to reward you for banking with us. In simple terms, it turns your routine banking transactions into opportunities to earn points. Every point earned has real monetary value (each point = ₹0.25 of value), which means your points can quickly add up to substantial rewards. The program is our way of saying “thank you” for choosing Ujjivan. From day one of opening an account, you start accumulating points – making every swipe of your debit card, every bill payment, and every fund transfer more rewarding.

Ujjivan Rewardz covers almost every banking activity. Unlike some programs that only give points on card spending, Ujjivan Rewardz lets you earn through a variety of actions. It's not just about using your Debit Card (though we reward that too); it's about rewarding your entire relationship with the bank. This includes opening new accounts, using digital services, saving regularly, and more. The more you engage with Ujjivan’s products (savings accounts, mobile banking, etc.), the more points you earn. It's a truly holistic loyalty program built around you.

How to Earn Rewardz Points

Earning points is simple – the more you bank with us, the more you earn! Here are some of the main ways you can rack up points with Ujjivan Rewardz:

Opening a New Account: Earn welcome points just for starting your banking journey with us. For example, opening a Privilege Savings Account gives you 400 points, and a premium Maxima Savings Account comes with a whopping 800 points as a welcome reward.
Recurring Deposits (RDs): Saving money pays off twice! When your recurring deposit matures, you get bonus points based on the deposit amount. For instance, a small RD (₹1,000–₹5,000) earns you 50 points, while a larger RD above ₹5,000 earns 250 points upon completion. It’s our way of congratulating you for achieving your savings goal.
Bill Payments and Loan Repayments: Pay your utility bills (electricity, phone, etc.) or even your loan EMIs through Ujjivan’s channels – be it Internet Banking, the Ujjivan Mobile Banking app, or our Hello Ujjivan app – and you’ll earn points every time. Even a modest bill payment can fetch you 10 points, and larger bills yield more (for example, a bill over ₹10,000 will get you 25 points). So next time you pay your electricity bill or recharge your DTH through Ujjivan SFB, remember you're also inching toward a reward.
Digital Service Registrations: We reward you for going digital. Activating services like Internet Banking, Mobile Banking, the Hello Ujjivan app, or even our WhatsApp Banking service will earn you 20 points each. It’s a little nudge (with a reward) to explore our convenient digital banking options. Plus, once you’re registered, you’ll likely use these services more – which means more opportunities to earn points down the line.
Everyday Spending with Your Debit Card: Your Ujjivan RuPay Debit Card isn't just a payment tool – it's a point-earning machine. Use your debit card for everyday purchases, whether swiping at a shop or shopping online, and earn 1 point for every ₹100 spent. Groceries, fuel, dining out, online shopping – it all counts. Over a month, these points from daily spending can really add up!
Fund Transfers (UPI/NEFT/IMPS/RTGS): Transferring money to your friend or paying your landlord’s rent? You earn points for that too. For every ₹2,500 you send via UPI, NEFT, IMPS, or RTGS, you get 1 point. So even routine fund transfers are rewarded. It’s like getting a small cashback on moving your own money.

(Psst... a quick tip: Each Rewardz point equals ₹0.25, so four points make up ₹1 of value. Even if you’re earning points in small increments, they accumulate into real value before you know it!)

Tracking and Redeeming Your Points

Okay, so you've been earning points—now what can you do with them? Ujjivan Rewardz makes it easy to keep track of your points and turn them into rewards. Here’s how:

Tracking Your Points: You can check your Rewardz points balance anytime through the Ujjivan Rewardz online portal (or via our banking app/website). Once you log in, your total points (and their equivalent rupee value) are displayed prominently on your dashboard. This way, you always know how much you’ve accumulated. It’s motivating to watch your points grow with every transaction! (For example, if you see "Current Balance: INR 250", that means you have 1,000 points in your kitty.)
Redeeming Your Rewards: Redeeming your points is a quick, seamless process – in fact, it’s as easy as 1-2-3. Here’s how it works:

Log in to the Ujjivan Rewardz portal: Use your customer credentials to access the dedicated rewards site. (There’s a handy link on our main website or you can access it via mobile.)
Browse the rewards catalog: Once inside, you can explore a wide range of redemption options. Browse through vouchers, offers, and gift options from many popular brandsujjivansfb.in. Whether you’re looking for shopping vouchers, dining discounts, flight or hotel bookings, or even mobile recharges – you’ll likely find something that excites you. Ujjivan has curated some of the best offers from popular brands for you in this portal.
Redeem what you love: Found something you like? Great! Select your favorite reward and redeem your points instantly. With a click, you confirm the redemption, and voila – if it’s a voucher or e-code, it will pop up on your screen with the details. (You can also find your redeemed voucher codes later under the "My Vouchers" section of the portal, so you never lose track of them.) Now you’re ready to enjoy your reward in real life!

A small note: You’ll need to accumulate a minimum of ₹1,000 worth of points before you can start redeeming. In point terms, that’s 4,000 points (because 4,000 points × ₹0.25 = ₹1,000). This threshold ensures you have a decent value to redeem for meaningful rewards. But reaching 4,000 points is easier than it sounds once you make Ujjivan your go-to bank – just opening a high-tier account and doing regular transactions can get you there quickly!

Final Thoughts

Still wondering what these points translate to in real life? Imagine this scenario: You open a new Ujjivan Digital Savings Account (earning a welcome bonus of points right off the bat). Next, you register for Ujjivan’s mobile banking and internet banking services – more points for each registration. Over the next few weeks, you swipe your Ujjivan RuPay Debit Card for groceries and fuel, and treat yourself to dinner at a restaurant (each of those purchases earns you Rewardz points for every ₹100 spent. You also pay your electricity and mobile phone bills through the Ujjivan mobile app instead of using cash – that’s extra points for each bill paid. By the end of the month, without even realizing it, you’ve accumulated a hefty stack of points just by doing your normal, everyday banking with Ujjivan.

Now comes the fun part: you log in to the Ujjivan Rewardz portal and see that your point balance is enough to redeem a nice shopping voucher. With a few clicks, you redeem your points for an e-voucher to your favorite retail store.

The voucher code pops up instantly, and you plan a weekend treat for yourself – paid for by your Rewardz points! ?
This is just one example of how Ujjivan Rewardz can make a difference. Every customer’s earning and redemption story might be different, but they all end in delightful rewards. Whether you save up your points for a big-ticket item (like a free flight or hotel stay) or use them regularly for smaller perks (like mobile recharges or shopping discounts), Ujjivan Rewardz lets you enjoy the fruits of good banking habits. It’s real value back in your pocket, simply for banking smarter with us.

(Ready to experience it yourself? If you’re new to Ujjivan SFB, this is a great time to join – open an account and you’ll start earning Rewardz points from day one. Existing customer? Just keep banking as usual, and watch your rewards grow!)

Disclaimer:

The contents herein are only for informational purposes and generic in nature. The content does not amount to an offer, invitation or solicitation of any kind to buy or sell, and are not intended to create any legal rights or obligations. This information is subject to updation, completion, amendment and verification without notice. The contents herein are also subject to other product-specific terms and conditions, as well as any applicable third-party terms and conditions, for which Ujjivan Small Finance Bank assumes no responsibility or liability.

Nothing contained herein is intended to constitute financial, investment, legal, tax, or any other professional advice or opinion. Please obtain professional advice before making investment or any other decisions. Any investment decisions that may be made by the you shall be at your own sole discretion, independent analysis and evaluation of the risks involved. The use of any information set out in this document is entirely at the user’s own risk. Ujjivan Small Finance Bank Limited makes no representation or warranty, express or implied, as to the accuracy and completeness for any information herein. The Bank disclaims any and all liability for any loss or damage (direct, indirect, consequential, or otherwise) incurred by you due to use of or due to investment, product application decisions made by you on the basis of the contents herein. While the information is prepared in good faith from sources deemed reliable (including public sources), the Bank disclaims any liability with respect to accuracy of information or any error or omission or any loss or damage incurred by anyone in reliance on the contents herein, in any manner whatsoever.

To know more about Ujjivan Small Finance Bank Products Visit:"https://www.ujjivansfb.bank.in"

All intellectual property rights, including copyrights, trademarks, and other proprietary rights, pertaining to the content and materials displayed herein, belong

to Ujjivan Small Finance Bank Limited or its licensors. Unauthorised use or misuse of any intellectual property, or other content displayed herein is strictly prohibited and the same is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would (by reason of that person’s nationality, residence or otherwise) be contrary to law or registration or would subject Ujjivan Small Finance Bank Limited or its affiliates to any licensing or registration requirements.

Earn Rewards

FAQs

All Ujjivan SFB customers with a savings account are automatically enrolled in Ujjivan Rewardz. If you have an account with Ujjivan, you don’t need to do anything extra to join – just start transacting and you’ll earn points for eligible activities. It’s our loyalty program for every Ujjivan customer, whether new or existing.

You earn points by performing a variety of banking activities with Ujjivan. This includes opening new accounts, making deposits, using your Ujjivan debit card for purchases, transferring funds via UPI/NEFT/IMPS, paying bills through Ujjivan’s mobile or internet banking, and even registering for services like mobile banking or WhatsApp banking In short, almost every routine banking activity can earn you some points. The more you bank with us, the more points you accumulate!

Ujjivan Rewardz points can be redeemed for a wide range of exciting rewards. You can get e-gift vouchers and discount coupons for popular retailers and brands, book flight tickets or hotel stays for your next trip, recharge your mobile or DTH, or even snag deals on offline and online shopping. We’ve partnered with many brands to ensure there’s something for everyone – whether you want to treat yourself to a shopping spree or save on your next travel booking. Redeem your points for what makes you happy!