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UCO Bank
UCO Bank SBI Card ELITE
Visa
UCO Bank SBI Card ELITE
UCO Bank's premium SBI Card co-brand, built on the standard SBI ELITE product — 5X rewards on dining/groceries plus Priority Pass and Vistara loyalty points.
Rates and fees last verified 15 July 2026.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Super-premium
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate
- 🛒 Groceries
5% reward rate
- ✈️ Travel
Priority Pass membership with 6 international lounge visits/year
- ⛽ Fuel
1% fuel surcharge waiver on ₹500–₹4,000 transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- ₹5,000 voucher and complimentary movie tickets on joining
- Priority Pass membership with 6 international lounge visits/year
- 9 Club Vistara Points per ₹100 on Vistara flight bookings
- 1% fuel surcharge waiver on ₹500–₹4,000 transactions
- 10,000 bonus points each at ₹3L and ₹4L annual spend
Pros
- + 5X rewards on dining and groceries
- + International lounge access via Priority Pass
- + Sizeable milestone bonuses on ₹3–4L annual spend
Cons
- − High ₹4,999 fee typical of the SBI ELITE tier
- − Reward categories mirror SBI's standard ELITE card rather than UCO-specific perks
- − Needs high annual spend to unlock full milestone value