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Explore cards from India's leading banks.
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
0.67 points per ₹100 on general spends; 10X reward points on select categories
Earn 0.67 points per ₹100 on all spends. Enjoy 10X reward points on select categories like dining, groceries, and movies. Points can be redeemed for air miles, gift vouchers, or statement credit.
The privileges that come bundled in, beyond the reward points.
10X reward points on select categories
Fuel surcharge waiver
EMI conversion on spends
No interest if payment made within 60 days
An honest read on where this card earns its keep — and where it doesn't.
Low annual fee (₹499)
10X reward points on select categories
Fuel surcharge waiver
Limited premium travel benefits
Standard reward rate on general 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 SimplySAVE SBI Card 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 SimplySAVE SBI Card fees, reward conversion, lounge access, and application eligibility.
UCO Bank SimplySAVE SBI Card has an annual fee of ₹499 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 "₹500 welcome bonus on activation (as published on OnePaisa)".
UCO Bank SimplySAVE SBI Card earns Reward Points at a primary rate of 0.67 points per ₹100 on general spends; 10X reward points on select categories. Specifically, Earn 0.67 points per ₹100 on all spends. Enjoy 10X reward points on select categories like dining, groceries, and movies. Points can be redeemed for air miles, gift vouchers, or statement credit.. Spends in Shopping, Lifestyle, Dining, Fuel categories provide the maximum valueback per transaction on this card.
A CIBIL credit score of 750 or above is strongly recommended for approval of UCO Bank SimplySAVE SBI Card. 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 SimplySAVE SBI Card 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 SimplySAVE SBI Card levies a forex markup fee of 3.5% + GST 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 SimplySAVE SBI Card currently features a welcome offer: "₹500 welcome bonus on activation (as published on OnePaisa)". 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 Low annual fee (₹499) and 10X reward points on select categories. However, keep in mind that Limited premium travel benefits and Standard reward rate on general spends. Overall, UCO Bank SimplySAVE SBI Card delivers strong value if your regular spending aligns with Shopping, Lifestyle, Dining, Fuel.
UCO Bank SimplySAVE SBI Card is focused on Shopping and Lifestyle and Dining and Fuel valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, UCO Bank SimplySAVE SBI Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel surcharge waiver). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for UCO Bank SimplySAVE SBI Card 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.
