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UCO Bank SBI Card Elite

Product Details
Credit Card Name : 

UCO Bank SBI Card Elite

Bank Name :

UCO Bank

Type :

Lifestyle Credit Card

Interest Rate : 

3.50% per month [42% per annum]

Eligibility :

Age: Must be between 18 and 65 years old.
Nationality: Must be an Indian citizen.
Income: Minimum annual income of Rs. 3 lakhs.
Occupation: Must be employed in a reputed organization or self-employed.
Credit score: Minimum credit score of 750.
Residential proof: Proof of current residence in India.

 UCO Bank SBI Card Elite
Pros
  • Welcome Benefit: e-Gift Voucher worth Rs.5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, and Shoppers Stop.

  • Reward System: Customers get 5X Reward Points on Dining, Departmental stores, and Grocery Spends, and they can earn 2 Reward Points per Rs. 100 on all other spends, except fuel. 

  • Milestone Benefits: Earn up to 50,000 Bonus Reward Points worth Rs. 12,500/ year, and 10,000 bonus Reward Points on achieving annual spending of Rs. 3 lakhs and 4 lakhs. 

  • Other benefits: Free Movie Tickets worth Rs 6,000 every year, complimentary Club Vistara Silver membership, Complimentary membership to the Priority Pass Program worth $99, through which customers can enjoy 6 complimentary Airport Lounge visits per year, outside India, and 2 complimentary Domestic Airport Lounge visits every quarter in India. 

Cons
  • Reward points available on all spents except fuel.  

  • A High Annual fee is charged.

Pros & Cons
Welcome Benefits

Welcome e-Gift Voucher worth Rs.5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons and Shoppers Stop.

Rewards System
  • Get 5X Reward Points on Departmental Stores, Dining, and Grocery spends (Cashback Rate: 2.5%)

  • Earn 2 Reward Points per Rs 100 on all other spends, except fuel, Pay your card outstanding with Reward Points. 

  • 4 Reward Points = Rs 1 i.e. value of 1 RP = 0.25 paisa.

  • Effective Cashback Rate: 0.5%

International Forex Markup

IFM= 1.99% on International usage.

Welcome Benefits and Reward System
Special Features

Enjoy a complimentary Club Vistara Silver membership: Get 1 complimentary Lounge Access Voucher and 1 Upgrade Voucher. 

Eligibility Criteria

Age: Must be between 18 and 65 years old.
Nationality: Must be an Indian citizen.
Income: Minimum annual income of Rs. 3 lakhs.
Occupation: Must be employed in a reputed organization or self-employed.
Credit score: Minimum credit score of 750.
Residential proof: Proof of current residence in India.

Benefits
  • Welcome E-gift voucher worth INR 5000

  • Travel and Dining Benefits 

  • Complimentary Movie Tickets 

  • Club Vistara and Priority Pass memberships are available. 

  • Spend-based rewards are also provided. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Check the eligibility criteria. 

  • The eligibility criteria for the UCO Bank SBI Card Elite are:  Age: 21-60 years (salaried) or 65 years (self-employed) 

  • Minimum income: INR 30,000 per month (salaried) or INR 50,000 per month (self-employed) Good credit history Gather the required documents. 

  • The required documents are:  A recent passport-size photograph Proof of identity (any of the following): Voter ID, passport, driving license, PAN card, Aadhaar card Proof of residence (any of the following): Electricity bill, telephone bill, Aadhaar card, passport Proof of income (any of the following): Latest 3 months' salary slip, latest 3 months bank statement, income tax returns Apply online or offline. 

  • You can apply for the card online through the UCO Bank website or offline by visiting any UCO Bank branch.  

  • Submit your application. 

  • Once you have gathered the required documents, you can submit your application online or offline.  

  • Wait for the approval. 

  • The bank will review your application and let you know the status within a few days.  

  • If your application is approved, you will receive the card within 7-10 working days.

Contact Details
Account Opening and Procedure
UCO Bank SBI Card Elite

The SBI credit card users who own these credit cards can avail welcome gift vouchers from partner brands, such as, Bata/Hush Puppies, Pantaloons, Yatra.com, Shoppers Stop and Aditya Birla Fashion. Apart from these joining benefits, they are offered accelerated reward points on select categories, spending milestone benefits, low foreign currency mark-up fee, fuel surcharge waiver, international travel privileges, and complimentary memberships. Perfect choice for travel and shopping enthusiasts.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • Joining Fee- Nil  

  • Annual Fee (one-time) :Rs. 4,999 

  • Renewal Fee (per annum): Rs. 4,999 from second year onwards 

  • Cash Advance Fee -2.5% or Rs. 500 whichever is higher  

  • Interest Rate: 3.50% per month [42% per annum]  

  • Late Payment Fees: NIL for Outstanding Amount on payment date from Rs.0-Rs.500 Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000  up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000 Rs. 1300 for Outstanding Amount greater than Rs. 50,000 

  • Foreign Currency Transactions  up 1.99% 

  • Rewards Points Redemption Fee- rs. 99/-

Fuel Surcharge

Fuel Transaction Charge : 1% Surcharge on Fuel transaction value or Rs.10, whichever is higher. However, Fuel surcharge waiver of up to Rs.100 per month is available. (The Surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4,000.)

Billing Cycle

30 Days

Fees & Charges
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