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UCO Bank
UCO RuPay Platinum Credit Card
RuPay
UCO RuPay Platinum Credit Card
A no-frills PSU RuPay card with a modest ₹500 annual fee (waived on ₹1L spend) and a flat, unremarkable reward rate — mainly useful for UPI-linked RuPay spend and the NPCI accident cover.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Mid
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
Benefits
- 1% fuel surcharge waiver, capped at ₹250 per billing cycle
- Personal accident insurance cover of ₹2 lakh (NPCI RuPay Platinum)
Pros
- + No joining fee
- + Fee waived on modest annual spend
- + RuPay network works with UPI-linked credit
Cons
- − Flat, low reward rate
- − No category bonuses or lounge access
Applying takes you to UCO Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.