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Last updated: 19 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5X reward points on dining, groceries, and departmental stores; 2 points per ₹100 on other spends
Rewards are SBI Card reward points. 5X rate applies to specific merchant categories (MCCs) for dining, grocery, and departmental stores. Base rate is 2 points per ₹100.
The privileges that come bundled in, beyond the reward points.
5X reward points on dining, groceries, and departmental stores
8 domestic and 6 international lounge visits annually
Low forex fee of 1.99%
Concierge services
Free movie tickets
An honest read on where this card earns its keep — and where it doesn't.
High 5X rewards on dining and groceries
Complimentary airport lounge access
Low foreign transaction fee
Annual fee of ₹4,999 + GST
Rewards capped on high-value spends
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with UCO Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how UCO Bank SBI Card ELITE stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about UCO Bank SBI Card ELITE fees, reward conversion, lounge access, and application eligibility.
UCO Bank SBI Card ELITE has an annual fee of ₹4,999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "₹5,000 welcome e-gift voucher".
UCO Bank SBI Card ELITE earns Reward Points at a primary rate of 5X reward points on dining, groceries, and departmental stores; 2 points per ₹100 on other spends. Specifically, Rewards are SBI Card reward points. 5X rate applies to specific merchant categories (MCCs) for dining, grocery, and departmental stores. Base rate is 2 points per ₹100.. Spends in Travel, Lifestyle, Shopping, Dining categories provide the maximum valueback per transaction on this card.
Yes, UCO Bank SBI Card ELITE features complimentary airport lounge privileges. Privileges include: "8 domestic and 6 international lounge visits annually". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of UCO Bank SBI Card ELITE. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
UCO Bank SBI Card ELITE is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
UCO Bank SBI Card ELITE levies a forex markup fee of 1.99% of transaction value on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
UCO Bank SBI Card ELITE currently features a welcome offer: "₹5,000 welcome e-gift voucher". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include High 5X rewards on dining and groceries and Complimentary airport lounge access. However, keep in mind that Annual fee of ₹4,999 + GST and Rewards capped on high-value spends. Overall, UCO Bank SBI Card ELITE delivers strong value if your regular spending aligns with Travel, Lifestyle, Shopping, Dining.
You can apply for UCO Bank SBI Card ELITE directly through UCO Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
