Ujjivan Bank Debit Card
Ujjivan Small Finance Bank’s debit cards deliver a blend of convenience, security and rewards tailored to diverse customer segments. Whether you're a digital-savvy youth or a senior citizen seeking reliability, Ujjivan’s debit card offerings are built to cater to your financial lifestyle.
Why Choose a Ujjivan Bank Debit Card?
Ujjivan Bank debit cards offer more than basic banking, they combine security, benefits, and rewards in one convenient tool. With tokenisation, your card details are replaced by a secure digital token, protecting you during online transactions. The cards also come with complimentary insurance coverage, including accidental death cover, depending on the card type.
Additionally, Ujjivan’s rewardz programme lets you earn points on spending, utility bill payments, and more, which can be redeemed for vouchers or recharges. Altogether, Ujjivan debit cards ensure a safe, rewarding, and seamless banking experience.
Types of Ujjivan debit cards
Ujjivan issues three types of RuPay debit cards based on the account type:
- Classic Card: For Regular, Classic, Senior, Minor and BSBDA savings accounts, offering up to Rs.25,000 ATM and Rs.50,000 POS/e‑commerce limits.
- Platinum Card: Linked to Maxima or Privilege accounts, with higher ATM (Rs.100k–Rs.250k) and POS/e‑com (Rs.200k–Rs.500k) limits.
- Select Card: For top-tier accounts, sharing Platinum-level limits and additional privileges.
Key features & benefits
Tokenisation for secure transactions: Ujjivan’s debit cards are tokenised, replacing the actual card number with a secure token whenever saved online. This ensures card details are never retained by merchants.
Insurance cover: All RuPay cards include personal accident cover under NPCI guidelines. Classic covers a lower amount; Platinum offers Rs.2 lakh, and Select provides Rs.10 lakh sum assured.
Ujjivan Rewardz loyalty programme: Customers earn 1 point per Rs.100 spent using the debit card. Points are also awarded for account opening, bill payments, fund transfers and digital registrations. Each point is worth Rs.0.25 and redeemable once you’ve amassed 4,000 points.
Lounge access for premium users: RuPay Platinum/Select cardholders benefit from complimentary domestic airport (and select railway) lounge access in line with RuPay’s programme.
Transaction limits
Card Type | ATM Withdrawal (daily) | POS / E‑commerce (daily) | Contactless per txn |
Classic | Rs.25,000 | Rs.50,000 | Rs.2,000 |
Platinum/Select | Rs. 100,000-250,000 | Rs.200,000-500,000 | Rs.2,000 |
How to apply for a debit card
- Open a savings account: Regular, Classic, Privilege or Maxima.
- Card issued automatically: A RuPay Classic or Platinum card will arrive once your account is live.
- Activate online/contactless/international features: These are blocked by default and must be activated via net banking, mobile app or ATM.
Generating or resetting your PIN
- Ujjivan’s "Green PIN" feature simplifies PIN setup:
- ATM: Use the “Generate PIN” option with OTP.
- Net/mobile banking or customer support: Also possible via these channels.
Fees and charges
- Card issuance: Often waived for Classic accounts. Premium cards may incur annual fees.
- ATM withdrawals: Ujjivan ATM withdrawals are generally free; non-home ATM withdrawals attract standard fees.
- Tokenisation & SMS alerts: Provided free of charge.
Security best practices
- Safeguard your Green PIN, never share it and change it every 3–6 months.
- Use tokenisation for online payments and avoid saving the actual card data.
- Enable SMS alerts and remove lost/stolen cards immediately via the app, customer care or branch.
Why Ujjivan stands out
Ujjivan SFB is a leading debit card issuer among small finance banks, with over 10 million active cards and 46 million debit transactions in FY 2023–24. Unlike many banks, it offers free Classic cards, loyalty rewards, insurance and tokenisation, making it a superior choice for cost-conscious yet digitally inclined users.
Conclusion
Ujjivan’s range of debit cards, Classic, Platinum and Select, blend safety, convenience and value. With tokenisation, insurance, reward points, and premium benefits like lounge access, they cater to a wide audience. Their transparent fee policy and secure features make them a compelling choice for everyday banking.
FAQs on Ujjivan Bank Debit Card
- What is Ujjivan’s tokenisation feature?
Ujjivan’s tokenisation features replaces your actual card number with a virtual token for secure online transactions.
- How much insurance does my card offer?
Classic offers basic cover, Platinum Rs.2 lakh and select Rs.10 lakh.
- How are reward points earned?
You earn 1 point per Rs.100 debit spends, plus for account opening, payments and digital transfers.
- What is the daily withdrawal/transaction limits of Ujjivan Debit Card?
Classic: Rs.25k ATM/Rs.50k POS; Platinum/Select: up to Rs.250k ATM/Rs.500k POS.
- How do I generate or reset my PIN?
Use ATM “Generate PIN” with OTP or reset via mobile/net banking or helpline.
- Are there any issuance or annual fees?
Classic cards often have zero issuance fee; premium cards may have AMC. ATM charges apply for non‑home ATMs.
- Can I get airport lounge access with my debit card?
Yes, Ujjivan RuPay Platinum/Select cardholders receive complimentary lounge access.
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