UCO Bank SimplySAVE SBI Card
An entry points card SBI Card issues with UCO Bank, applied for at its branches: 10 points per ₹150 on dining, movies, departmental stores and groceries (up to 5,000 points a month), 1 point per ₹150 elsewhere; 4 points = ₹1 against the bill. 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 | ₹499 plus GST Product page |
|---|---|
| Annual fee | ₹499 plus GST Product page |
| Annual fee waiver | On ₹1,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Dining, movies, departmental stores and groceries | 10 points per ₹150 Terms | up to 5,000 points a month Terms |
| All other eligible spends | 1 point per ₹150 Terms | no cap on record |
Points pay the card bill at 4 points = ₹1, with a ₹99 redemption fee; the booklet sets a 2,000-point minimum for redemption, and 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: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹3,000, up to ₹100 a statement cycle Product page
- Welcome: 2,000 bonus points worth ₹500 on ₹2,000 of spend in the first 60 days (cards with the ₹499 first-year fee) Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- 10 points per ₹150 at movie theatres (within the 5,000-point monthly cap) 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
- a reward rate on UPI spends
- whether the RuPay card can be used for UPI payments
- an online application (SBI Card lists no Apply Now for this card; it says to apply at the bank branch)
Where SBI Card’s documents differ, and what is used
- Fuel surcharge cap: the product page says ₹100 per statement cycle; the terms booklet says ₹100 per month. The statement cycle is used.
The quotes behind the figures
34 figures, each copied from an official SBI Card document.
Show every quote and source
“Annual Fee: Rs. 499 + taxes”
“Renewal Fee (per annum): Rs. 499 + 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%”
“Renewal Fee is reversed if annual spends for last year >= Rs. 1,00,000.”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“4 Reward Points = Re. 1”
“Currently, with your UCO Bank SimplySAVE SBI Card, you earn 10 Reward Points for every Rs.150 spent on Dining, Movies, Groceries & Departmental Stores and 1 Reward Point per Rs.150 spent on other categories”
“Cumulative 10X Reward Points accrued on Dining, Movies, Departmental Store & Grocery spends for your UCO Bank SimplySAVE SBI Card will have a maximum cap of 5,000 Reward Points per month.”
“Earn 10X Reward Points per Rs. 150 spent on dining, movies, departmental stores and grocery”
“After the cap limit of 5,000 Reward points is achieved, 1 Reward Point for every Rs.150 spent, as per the card policy, will continue to accrue.”
“On all other spends, earn 1 Reward Point per Rs. 150 spent”
“Fuel Transactions are not included in the Reward Point program (Fuel MCCs Excluded: 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",”
“UCO Bank SimplySAVE SBI Card 499 499 (Waived off on annual spends of 1 Lakh or more in the preceding year)”
“(c) Minimum of 2000 Reward Points are required for redemption.”
“Pay your outstanding card bill using reward points”
“Spend Rs. 2,000 or more in first 60 days and get 2,000 Bonus Reward Points”
“This offer is valid only for UCO Bank SimplySAVE SBI Card with Year 1 Joining Fee of Rs.499.”
“Maximum Fuel Surcharge waiver of Rs. 100 per month for transactions between Rs.500 & Rs.3000 (exclusive of all applicable taxes).”
“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.”
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 3,000 at all petrol pumps across India.”
“Maximum waiver of Rs. 100 per statement cycle, per credit card account.”
“2,000 Bonus Reward Points worth Rs. 500”
“10X Reward Points on Movies”
“To apply UCO Bank SimplySAVE SBI Card, 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