UCO Bank SBI Card ELITE

Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, groceries, travel. Its annual fee waives if you can comfortably clear the spend threshold.

• Movie & dining: Complimentary movie tickets and BookMyShow offers on joining, plus 5X reward points on dining spends
• Rewards rate: 0.5% base rate
• Travel: 9 Club Vistara Points per ₹100 spent on Vistara flight bookings, plus Club Vistara Silver Tier membership per SBI Card ELITE's standard benefit
• Domestic lounge access: 8 complimentary domestic airport lounge visits per year (2 per quarter), per SBI Card ELITE's standard benefit
• International lounge access: Priority Pass membership (worth $99) with 6 complimentary international lounge visits per year

• 🍽️ Dining & food delivery

  2.5% reward rate

• 🛒 Groceries

  2.5% 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

• Minimum credit score: 750
• Minimum monthly income: ₹50,000
• Employment: salaried, self-employed
• Age: 21–65

• Spend-based waiver: Waived on annual spend of ₹10,00,000
• Rewards redemption fee: ₹99 + GST redemption fee applies per SBI Card's standard reward-point redemption terms
• Foreign currency markup: 3.5%
• Interest rate: 42% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per statement cycle
• Cash advance charges: 2.5% of the withdrawal amount, subject to a minimum of ₹500 per transaction

• ₹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