Introducing Ujjivan Rewardz: Banking That Rewards You

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:

1. 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.)
2. 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.
3. 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!