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UCO Bank SBI Card Elite

Product Details
Credit Card Name : 

UCO Bank SBI Card Elite

Bank Name :

State Bank Of India

Type :

Rewards Credit Card

Interest Rate : 

3.50% per month (42% per annum) from the transaction date. 

Eligibility :

Age: 18 years to 60 years old.
Occupation: Salaried or self-employed.
Credit Score: Good credit history is preferred.

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

  • Milestone Benefits: Get 15,000 bonus reward points on achieving annual spends of INR 5 lakhs and INR 8 lakhs. Spend based reversal of annual fee on spends of INR 10 Lakhs.

  • Get free Trident Privilege Red Tier Membership. Get exclusive 1,000 welcome points on registration and get 1,500 bonus points on your first stay & additional INR 1,000 hotel credit on extended night stay.

  • Get free Club Vistara Silver membership. Get 1 free upgrade voucher. Get 9 lub Vistara Points for every INR 100 spent on Vistara flights

  • Get 6 free visits per calendar year to International Priority Pass lounges, outside India (max. 2 visits per quarter)

  • Get 8 complimentary visits per calendar year to domestic lounges in India (max. 2 visits per quarter).

  • Reward System: Get 5 reward points per INR 100 spent on dining, groceries, departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 

  • Enjoy 20 reward points per INR 100  spent on birthday (reward points on birthday spends (one day before, on birthday and one day after) is capped at 2000 Reward points per calendar year),

  • Lowest forex markup @ 1.99%.

  • Exclusive concierge service: Dedicated assistance on flower delivery, gift delivery, online doctor consultation.

  • Free movie tickets worth INR 6,000 every year. Max permissible discount of INR 250 per ticket.

Cons

Low general cashback rate.

Pros & Cons
Welcome Benefits

Welcome Benefit: Welcome gift Voucher worth INR 5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop and Yatra.com.

Rewards System

Reward System: Get 5 reward points per INR 100 spent on dining, groceries, departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 

International Forex Markup
  1. 99%

Welcome Benefits and Reward System
Special Features
Eligibility Criteria

Age: 18 years to 60 years old.
Occupation: Salaried or self-employed.
Credit Score: Good credit history is preferred.

Benefits
  • Great travel benefits. 

  • Free movie tickets.

  • Free domestic and international lounge visits.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

There are three major ways to apply for the Uco Bank SBI Card Elite:


1. Online:

  • This is fast and easy method.

  • Visit the SBI Card website.

  • Choose the "Credit Cards" tab and navigate to UCO Bank SBI Card Elite.

  • Click on "Apply Now" button and fill out the online application form with all your details.

  • Upload the requisite documents, such as proof of identity, proof of address, and proof of income.

  • Submit the application form.

2. Offline:

  • This method involves visiting a UCO branch.

  • Ask for the UCO Bank SBI Card Elite application form.

  • Fill out the form with all of your details.

  • Attach the requisite documents.

  • Submit the application form to the bank.

3. By Phone:

  • Contact the SBI Card helpline at 1860-180-1290 or 3902-0202.

  • Request for an UCO Bank SBI Card Elite application form.

  • The bank will then send you the form by courier.

  • Fill out the form with all of your details.

  • Attach the requisite documents.

  • Send the completed application form back to the bank.

Contact Details

l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)

Account Opening and Procedure
UCO Bank SBI Card Elite

The card offers all most everything, free movies, free airport lounge visits, value add benefits such as free membership to Club Vistara Silver Tier, great welcome benefits and milestone benefits. The only thing lacking is a good cashback rate. The cashback rate offered by the card is very low.

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

Product Review
Fees & Charges
  • Annual Fee (one time): INR 4,999 + Taxes

  • Renewal Fee (per annum): INR 4,999 + Taxes.

  • Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs

  • Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date. 

  • Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. 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. 

  • Reward Redemption Fees: INR 99/- per redemption. 

Fuel Surcharge

1% Fuel Surcharge waiver for each transaction between Rs.500 and Rs.4,000. Maximum Surcharge waiver of Rs.250 per statement cycle, per credit card account.

Billing Cycle

30 Days

Fees & Charges
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