UCO Bank SBI ELITE Credit Card
SBI Bank (in partnership with UCO Bank)
Last updated: Oct 29, 2025
₹4,999
₹0
1.99%
6 visits/yr
Contents
UCO Bank SBI ELITE is a premium co-branded SBI Card variant offering high reward rates on dining, groceries and premium spends, complimentary lounge access and concierge services. It is aimed at lifestyle and frequent travellers seeking strong reward earning and airport benefits. The card also offers competitive forex pricing and milestone bonuses, making it suitable for high-spend users.
Features of UCO Bank SBI ELITE Credit Card which makes it unique
High Reward Tiers
5X on dining and groceries plus milestone bonuses
Better points accumulation for lifestyle spends
Competitive versus other co-branded elite variants
Rewards Structure of UCO Bank SBI ELITE Credit Card
Medical Supplies
acceleratedSpends on medical supplies
Travel Bookings & International Spends
accelerated"Travel bookings or international spends
Base
baseAll other retail spends"
Milestones of UCO Bank SBI ELITE Credit Card
Monthly/Quarterly Milestone
Varies by offer : Bonus reward points or statement credit (bank offers)
Fees & Charges of UCO Bank SBI ELITE Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹4,999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee may be waived or credited via milestone/offer as per issuing bank rules.
Fee Explanation Standard bank fees apply. Refer to issuing bank schedule for exact charges and slab rates.
Lounge Access Benefits with UCO Bank SBI ELITE Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Primary cardholder; check issuing bank list of lounges
international Lounges
silverVisits per year: 2
Guest access: Yes
Priority Pass membership terms apply
Insurance Coverage with UCO Bank SBI ELITE Credit Card
Travel insurance
VariesStandard card travel insurance terms; check bank policy
Accidental air cover
Previously offered; see bank updatesSubject to recent issuer policy changes
Additional Features of UCO Bank SBI ELITE Credit Card
Concierge Services
Lifestyle concierge for bookings, deliveries and assistance
Contactless Payments
Tap & pay enabled
Welcome Bonus with UCO Bank SBI ELITE Credit Card
Welcome Bonus: Gift voucher worth ₹5,000
Bonus Conditions: E-gift voucher credited after minimum spend of ₹X within 60 days. Check bank T&C.
Application Process for UCO Bank SBI ELITE Credit Card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via issuing bank or partner portal
Upload KYC documents
Verification and approval
Card dispatched within 7-10 days
Required Documents for UCO Bank SBI ELITE Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
UCO Bank SBI ELITE Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for UCO Bank SBI ELITE Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must meet KYC and bank-specific eligibility criteria.
How Approval Is Decided
- Indian resident
- Minimum eligible income as per issuing bank
- Clean credit history and KYC
Pros of UCO Bank SBI ELITE Credit Card
- Strong accelerated rewards on dining and groceries
- Premium concierge and lounge benefits
- Competitive forex pricing for international travellers
Cons of UCO Bank SBI ELITE Credit Card
- Relatively high annual fee for certain customers
- Some insurance or benefit changes recently announced by issuer
Frequently Asked Questions about UCO Bank SBI ELITE Credit Card
What is the welcome gift?
E-gift voucher worth ₹5,000 on minimum spend within the specified timeframe.
What is the forex markup?
Foreign currency markup is 1.99% on international transactions (check issuer T&C).
How many complimentary lounge visits do I get?
Complimentary domestic and limited international lounge visits are included; check the bank's lounge list and yearly limits.
Are reward points earned on fuel and bill payments?
Fuel transactions and certain categories may be excluded from accelerated rewards; base rates apply. Always check the issuer's reward exclusions.
Is there a joining fee?
Joining fee may be waived during promotional periods; standard joining and annual fees apply as per issuer.
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