UCO Bank SBI Card ELITE
A premium points card SBI Card issues with UCO Bank, applied for at its branches: 10 points per ₹100 on dining, departmental stores and groceries (up to 10,000 a month), 2 per ₹100 elsewhere; 4 points = ₹1; 1.99% forex markup, airport lounges and movie tickets. Every figure below is copied from SBI Card’s or UCO Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-21.
Issued by SBI Card with UCO Bank.
Co-branded with UCO Bank: some terms are quoted from UCO Bank’s own site (uco.bank.in, ucobank.com) or documents it publishes for SBI Card; each quote names its source.
Fees and charges
| Joining fee | ₹4,999 plus GST Product page |
|---|---|
| Annual fee | ₹4,999 plus GST Product page |
| Annual fee waiver | On ₹10,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 1.99% of the transaction, plus GST Product page |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Dining, departmental stores and groceries | 10 points per ₹100 Terms | up to 10,000 points a month Terms |
| All other eligible spends, including international | 2 points per ₹100 Terms | no cap on record |
Points pay the card bill at 4 points = ₹1, with a ₹99 redemption fee; from 1 Apr 2026 statement-credit redemptions go in multiples of 4,000 points, up to 60,000 points a month. Points expire after 24 months.
No rewards on
Benefits
- Lounges: 2 domestic airport lounge visits a quarter and 6 international Priority Pass visits a calendar year (2 a quarter), with Priority Pass membership Product page
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹250 a statement cycle Product page
- Welcome: Welcome e-gift voucher worth ₹5,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop) Product page
- Milestone: 10,000 bonus points at ₹3 lakh of annual spend Product page
- Milestone: 10,000 bonus points at ₹4 lakh of annual spend Product page
- Milestone: 15,000 bonus points at ₹5 lakh of annual spend Product page
- Milestone: 15,000 bonus points at ₹8 lakh of annual spend Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- Free movie tickets worth ₹6,000 a year Product page
- Up to 50,000 bonus points worth ₹12,500 a year on spend milestones Product page
- 6 international Priority Pass lounge visits a calendar year Product page
- 1.99% foreign currency markup Product page
- Complimentary 1-year Club ITC Silver Tier membership Product page
- Concierge for flower and gift delivery and online doctor consultation Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- the rupee value of each milestone (only the 50,000-point yearly total is valued, at ₹12,500)
- an online application (SBI Card lists no Apply Now for this card; it says to apply at the bank branch)
The quotes behind the figures
44 figures, each copied from an official SBI Card document.
Show every quote and source
“Annual Fee: Rs. 4,999 + taxes”
“Renewal Fee (per annum): Rs. 4,999 + taxes from second year onwards”
“For the cardholders having state of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%”
“Annual fee reversal on annual spends of Rs. 10 lakh.”
“Lowest foreign currency mark-up charge of 1.99% on international usage”
“Pay your outstanding card bill using Reward Points. 4 Reward Points = Re. 1”
“Cardholder shall earn total of 10 Reward Points for every `100 spent on the following categories: - 1. Dining 2. Departmental stores 3. grocery”
“Reward Points on accelerated categories as defined in section 11 of Terms and Conditions, will be subject to a capping of 10,000 Reward Points per calendar month.”
“5X Reward Points on dining, departmental stores and grocery spends”
“After reaching this monthly cap, the cardholder will accrue 2 Reward Points per Rs.100 on eligible transactions done in accelerated categories.”
“UCO Bank SBI Card ELITE Cardholders shall earn 2 Reward Points for every `100 charged to his/her SBI Card ELITE.”
“2 Reward Points per Rs. 100 on all other spends, except fuel”
“Earn 2 Reward Points on every Rs. 100 spent on international transactions”
“For UCO Bank SBI Card ELITE all spending charged to the SBI Card under the Program will be eligible to earn Points except any purchases at petrol pumps/ service stations (MCCs : 5172, 5541, 5542, 5983)”
“E-wallet loading, prepaid card purchases, and account funding transactions identified under MCCs 6540 and 6541 will not accrue Reward Points, excluding Apollo SBI Card”
“List of SBI Credit Cards where Reward Points will not be applicable on Rent Payments w.e.f. 01 Apr'24 :”
“• UCO Bank SBI Card PRIME • UCO Bank SimplySAVE SBI Card • UCO Bank SBI Card Elite • PSB SBI Card Elite • PSB SBI Card PRIME • PSB SBI SimplySAVE”
“List of SBI Credit Cards where Reward Points will not be applicable on Government related transactions w.e.f. 1 Jun'24 :”
“• UCO Bank SBI Card PRIME • UCO Bank SimplySAVE SBI Card • UCO Bank SBI Card ELITE • PSB SBI Card ELITE • PSB SBI Card PRIME • PSB SBI SimplySAVE”
“"isOnline" : "no",”
“"filterBenefits" : "upi-payments"”
“UCO Bank SBI Card ELITE 4999 4,999 (Waived off on annual spends of 10 Lakhor more in the preceding year)”
“3% for SBI Card Miles, 2.5% for SBI Card Miles Primeand 1.99% (For AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card and SBI Card Miles Elite).”
“Choose from an array of travel and lifestyle brands: Yatra, Hush Puppies / Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop”
“Complimentary membership to the Priority Pass Program worth $99”
“The total amount payable for the tickets would be reduced by Rs.500 or the cost of 2 tickets, whichever is less.”
“a) The discounts as mentioned above shall be applicable for Maximum of two (2) tickets booked in a month.”
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
“W.e.f. 1 Apr'26, redemption of Reward Points for Statement Credit will be capped at 60,000 Points per month.”
“W.e.f. 1 Apr '26, redemption of Reward Points for Statement Credit can be made only in multiples of 4,000 Points.”
“Rewards Redemption Fee: Rs.99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM.”
“2 complimentary domestic airport lounge visits every quarter”
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps across India.”
“Maximum waiver of Rs. 250 per statement cycle, per credit card account.”
“Welcome e-Gift Voucher worth Rs. 5,000”
“Get 10,000 Bonus Reward Points on reaching Rs. 3 lakh and Rs. 4 lakh annual spends.”
“Get 15,000 Bonus Reward Points on reaching Rs. 5 lakh and Rs. 8 lakh annual spends.”
“Free movie tickets worth Rs. 6,000 every year”
“Up to 50,000 Bonus Reward Points worth Rs. 12,500 every year”
“6 complimentary airport lounge visits per calendar year, outside India (max. 2 visits per quarter)”
“Complimentary 1-year Club ITC Silver Tier Membership”
“Dedicated assistance on flower delivery, gift delivery, and online doctor consultation”
“To apply UCO SBI Card ELITE, visit the nearest UCO Bank Branch”
“displaying the VISA/RuPay logo will accept your card.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology