Dear customer, the accrual structure has been modified with effect from 1st January 2020. Please refer the below tables for the new program structure

UCO BANK presents UCOBank Rewardz, a loyalty program for all valued customers. Now earn UCO Points every time you pay using your UCO BANK Debit Card, withdraw cash from a UCO BANK ATM and use UCO E BANKING for payments.

As a UCO BANK Account holder, you’re auto-enrolled in this program and have been earning UCO Points for all your swipes. However, to activate your UCOBank Rewardz account and start redeeming your UCO Points, Register Now

How to Earn & Redeem UCO Points?

To earn UCO Points, you can spend towards shopping, dining, watching movies, paying bills and more with your Debit Card and UCO e-BANKING account. The program awards 1 UCO Point for every Rs. 100 spent on your Debit Card. However, there is no limit on the number of UCO Points that can be earned by you on using your Debit Card to shop at Max Get More Partner Stores. You can also earn UCO Points for withdrawing cash from a UCO BANK ATM.

More Ways to Earn UCO Points

You earn UCO Points on various transactions done across many banking services:


UCO Points Earned

Debit Card transactions

(POS & E-Commerce Transactions)

1 UCO Point per Rs. 100

Debit Card Activation post issuance

(POS & E-Commerce Transactions)

i)  Activation in 10 Days - 75 UCO Points
ii) Activation in 20 Days - 50 UCO Points
iii) Activation in 30 days - 25 UCO Points

UCO Bank ATM Transactions

1 UCO Point for every Rs. 1000/- withdrawn from UCO Bank ATM (Maximum 20 UCO Points per month).

Net/Mobile  Banking transactions

(Bill payment, Recharge and tax payment)

2 UCO Points per transaction for Bill payment & Recharge (Only in Savings bank account & with minimum transaction amount Rs. 100)

10 UCO Points Per transaction ( Tax payment)

Self Registration of UCO e-Banking 

(Through UCO Bank Website)

20 UCO Points for self – registration (One Time)

Self-registration of either M-Passbook, UCO secure or BHIM UCO UPI

20 UCO Points for self – registration (One Time)

Setting Auto Debit for UCO Home Loan, Car Loan, Education Loan, Cash Loan, Gold Loan, Property Loan, Shopper Loan, Two -wheeler Laon & CA Loan

30 UCO Points (One Time)

Online opening of Current Account/ Savings Account

10 UCO Points (One Time)

Inter Bank Fund transfer through IMPS through m-banking

1 UCO Point per transaction

Fund transfer through BHIM UCO UPI app

4 UCO Points per transaction (Minimum transaction amount Rs. 100). Maximum 60 UCO Points per month.

1 UCO Point is equal to Rs. 0.20 and is valid for 3 years

Redeem your accumulated UCO Points on a wide range of products across categories such as apparel, electronics, jewellery, home décor, kitchen appliances and services such as movie tickets, air tickets, mobile/DTH recharge, exclusive gift vouchers & more.

Accelerate your Earnings

Accelerate earning UCO Points by availing special offers at Max Get More partner outlets. This will ensure that you don’t just collect but also multiply your rewards while purchasing at these outlets. To check out the list of Max Get More partner outlets, please click here.

UCOBank Rewardz Membership

As a UCO BANK Account holder, you’re auto-enrolled as a member on UCOBank Rewardz. However, to view your UCO Points and redeem them, you have to activate your account. To activate your account, go to the ‘First Time User’ option. Provide your UCO BANK Debit Card number or customer ID, enter one-time-password (OTP) received on your registered mobile number, verify personal details and start redeeming.

UCO Points Balance

To view your UCO Points Balance, Sign In to your UCOBank Rewardz account and the “My Account” page will display your available UCO Points

Contact UCOBank Rewardz customer care at 1800-419-4252 Monday To Saturday (9:00 AM to 6:00 PM)

Redemption options

Redeem your UCO Points for a host of exciting products and services:

  • Air tickets
  • Movie tickets
  • Bus tickets
  • Mobile/DTH Recharge
  • Hotel bookings
  • E-Vouchers
  • Products (Electronics, Home, Decor, Jewellery, Sports, Fitness and more!)

So go ahead and earn your Reward Points, be it on your regular transactions or on those occasional ones.

For More Information on the Program, please refer to FAQs.