UCO Bank SBI Card PRIME

Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, groceries, travel. Its annual fee waives if you can comfortably clear the spend threshold.

• Movie & dining: 10 reward points per ₹100 (2.5% value) on dining and movies; 20 points per ₹100 on birthday spends (day before, on and after), capped at 2,000 points a year.
• Rewards rate: 0.5% base rate
• Reward redemption: Reward points can be used to pay the card bill at 4 points = ₹1, or redeemed from the SBI Card rewards catalogue.
• Travel: Complimentary 1-year Club ITC Silver tier membership.
• Domestic lounge access: 8 complimentary domestic airport lounge visits per year (maximum 2 per quarter).
• International lounge access: Complimentary Priority Pass membership (worth $99, valid 2 years) with 4 international lounge visits per calendar year outside India (maximum 2 per quarter), primary cardholder only.

• 🍽️ Dining & food delivery

  2.5% reward rate (capped ₹1,875/monthly) · 10 reward points per ₹100 on dining, movies, departmental stores and groceries (accelerated points capped at 7,500 a month combined); 2 points per ₹100 on other spends except fuel.

• 🛒 Groceries

  2.5% reward rate (capped ₹1,875/monthly)

• ✈️ Travel

  8 domestic lounge visits a year plus Priority Pass with 4 international lounge visits a year.

• ⛽ Fuel

  1% fuel surcharge waiver on ₹500–₹4,000 transactions, up to ₹250 per statement cycle.

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Employment: salaried, self-employed

• Spend-based waiver: Waived on annual spend of ₹3,00,000
• Rewards redemption fee: ₹99 + taxes per redemption request, applicable on physical products, statement credit and physically delivered vouchers (SBI Card MITC).
• Foreign currency markup: 3.5%
• Interest rate: 3.75% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all petrol pumps in India, up to ₹250 per statement cycle.
• Cash advance charges: 2.5% of the withdrawn amount, subject to a minimum of ₹500, at domestic and international ATMs; finance charges apply from the date of withdrawal.

• Welcome e-gift voucher worth ₹3,000 from Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop.
• 10 reward points per ₹100 on dining, movies, departmental stores and groceries (accelerated points capped at 7,500 a month combined); 2 points per ₹100 on other spends except fuel.
• ₹1,000 Pizza Hut e-voucher on ₹50,000 spend in a quarter; ₹7,000 Yatra/Pantaloons e-gift voucher on ₹5 lakh annual spend; renewal fee waived on ₹3 lakh annual spend.
• 8 domestic lounge visits a year plus Priority Pass with 4 international lounge visits a year.
• Complimentary 1-year Club ITC Silver tier membership.
• 1% fuel surcharge waiver on ₹500–₹4,000 transactions, up to ₹250 per statement cycle.