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UCO BankUCO Bank

UCO Bank SBI Card PRIME

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Welcome offer₹3,000 e-voucher on card activation
Annual fee
₹ 2,999
Reward rate
2 points per ₹100 spent
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

UCO Bank SBI Card PRIME
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

2 points per ₹100 spent

Earn 2 reward points for every ₹100 spent. Points can be redeemed for statement credit, air miles, or gift vouchers. 1 point = ₹1 value typically.

Reward currency
Points
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 8 domestic lounge visits per year

  • Priority Pass benefits

  • ₹3,000 welcome e-voucher

  • Milestone gifts

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Generous lounge access (8 visits)

  • Priority Pass benefits

  • High welcome voucher value

What to watch out for

  • Annual fee of ₹2,999

  • Standard reward rate (2 pts/₹100)

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹2,999Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
₹1,000 or 4% of transaction value, whichever is higher
Foreign currency markup
3.5% of transaction value
Late payment
₹300 to ₹1,300 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month
Cash advance
3.5% per month

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.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of UCO Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about UCO Bank SBI Card PRIME

Everything you need to know about UCO Bank SBI Card PRIME fees, reward conversion, lounge access, and application eligibility.

The joining fee for UCO Bank SBI Card PRIME is nominal, and the annual renewal fee is ₹2999 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for UCO Bank SBI Card PRIME from UCO Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

UCO Bank SBI Card PRIME is designed to reward everyday spends. It currently features: "₹3,000 e-voucher on card activation". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via UCO Bank's rewards portal.

Yes, UCO Bank SBI Card PRIME offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for UCO Bank SBI Card PRIME directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.