UCO Bank SBI Card PRIME – Benefits, Fees & Eligibility

UCO Bank SBI Card PRIME

Introduction

The UCO Bank SBI Card PRIME is a premium credit card offering a comprehensive suite of benefits for users who frequently spend on utility bills, dining, groceries, and entertainment. It provides an accelerated rewards program, significant milestone benefits including gift vouchers and fee waivers, and extensive complimentary lounge access both domestically and internationally. Coupled with robust insurance coverage and global acceptance, this card is designed to provide substantial value to high-spending individuals.

Welcome Benefits

• Welcome e-Gift Voucher worth Rs.3,000.
• Choose from brands like Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, and Yatra.com.
• An SMS will be sent within 21 working days of annual fees payment to select the e-Gift Voucher option.
• The e-Gift Voucher will be delivered to your registered mobile number/e-mail ID within 5 days of the request.
• Redemption Details:
  • Bata/Hush Puppies, Pantaloons, Shoppers Stop e-Gift Vouchers can be redeemed by showing the code at the respective brand store.
  • Aditya Birla Fashion e-gift vouchers are accepted at Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, and Simon Carter brand stores.

Fees

• Joining Fee (one-time): Rs. 2,999 + Taxes.
• Renewal Fee (per annum): Rs. 2,999 + Taxes, from the second year onwards.
• Spend-Based Waiver: Renewal Fee is waived on annual spends of Rs.3 Lakhs.
• Add-on Card Fee (per annum): NIL.
• Fuel Surcharge: 1% Fuel Surcharge waiver on transactions ranging from Rs.500 to Rs.4000 across all petrol pumps (plus Taxes as applicable).
  • Maximum Surcharge waiver of Rs.250 per month, per credit card account.

Rewards

• PRIME Rewards

  • Earn 20 Reward Points per Rs.100 spent on standing instructions of Utility Bills payments.
  • Earn 10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores, and Movies.
  • Earn 2 Reward Points per Rs.100 spent on all other retail spends.
  • Receive a 1% Fuel Surcharge waiver on transactions between Rs.500 and Rs.4000 at all petrol pumps (maximum waiver of Rs.250 per month, plus applicable taxes).

• Milestone Benefits

  • Get a Pizza Hut e-Gift Voucher worth Rs.1,000 on achieving spends of Rs.50,000 in a calendar quarter.
    • The Pizza Hut e-Gift Voucher will be sent to your registered mobile number within 21 working days of achieving the spend milestone.
  • Waiver of the Renewal Fee on achieving annual spends of Rs.3 Lakhs.
  • Receive an e-Gift Voucher worth Rs.7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs.5 Lakhs.
    • You will receive an SMS to choose the e-Gift Voucher option within 21 working days of achieving the spend milestone.

• Lounge Access

  • Enjoy 4 complimentary visits per year to International Priority Pass Lounges outside India (maximum 2 visits per quarter).
  • Get 8 complimentary visits per year to Domestic Lounges in India (maximum 2 visits per quarter).
  • To receive your Priority Pass, call the customer helpline at 1860 180 1290 or 39020202 (prefix Local STD code).
  • Domestic lounge access offers are provided by Network partners and are subject to change.
  • This offer is valid for Primary Cardholders only.

• Birthday Benefit

  • Enjoy 20 Reward Points per Rs. 100 spent on your birthday (spends made one day before, on birthday, and one day after).
  • Reward points on Birthday spends are capped at 2000 Reward points per calendar year.

• Network Privileges

  • VISA Offers:
    • Exclusive benefits across 900 luxury hotels worldwide.
    • Savings of up to 10% on Hertz Car Rental.
    • Savings of up to 35% on Avis Car Rental.
    • Up to 15% off on stays at IHG Hotels and Resorts.
  • RuPay Offers:
    • Up to 15% Cashback on Hotels and Flight bookings at MakeMyTrip.
    • Up to 20% off on ZoomCar.
    • Up to 15% off on Shopping at Lifestyle Stores.

Rewards Redemption Guide

• You can pay your card outstanding with Reward Points.
• 4 Reward Points are equivalent to Rs.1.

Card Review

The UCO Bank SBI Card PRIME is an excellent choice for individuals who prioritize maximizing rewards on everyday expenses such as utility bills, dining, groceries, and movies, given its highly accelerated reward point structure in these categories. The card truly shines with its substantial milestone benefits, including a valuable e-Gift Voucher upon reaching specific spending thresholds and an annual fee waiver, significantly enhancing its value proposition. For travelers, the card offers robust perks with complimentary access to both domestic and international airport lounges. It also includes important insurance covers, specifically for air accidents (note: this coverage will be discontinued effective August 11, 2025) and comprehensive fraud liability. Although the card carries an annual fee of Rs. 2,999, this cost can be easily mitigated or even offset through the welcome benefits and the spend-based waiver for renewal. Its global acceptance, modern contactless payment feature, and convenient options like Flexipay and Balance Transfer on EMI further cement its position as a versatile and rewarding credit card. This card is particularly recommended for users who can consistently leverage its high reward categories and meet the outlined spending targets to unlock its full potential.

Important Product Details

• Welcome e-Gift Voucher worth Rs.3,000 from selected brands.
• Earn 20 Reward Points per Rs.100 on utility bill payments (standing instructions).
• Earn 10 Reward Points per Rs.100 on dining, groceries, departmental stores, and movies.
• Earn 2 Reward Points per Rs.100 on all other retail spends.
• 1% Fuel Surcharge waiver on transactions between Rs.500-Rs.4000, capped at Rs.250 per month.
• Receive a Pizza Hut e-Gift Voucher worth Rs.1,000 on quarterly spends of Rs.50,000.
• Annual Renewal Fee waiver on achieving annual spends of Rs.3 Lakhs.
• Get an e-Gift Voucher worth Rs.7,000 from Yatra.com/Pantaloons on annual spends of Rs.5 Lakhs.
• Includes 4 complimentary international lounge visits per year (max 2 per quarter) via Priority Pass.
• Offers 8 complimentary domestic lounge visits per year (max 2 per quarter).
• Enjoy 20 Reward Points per Rs.100 on birthday spends, capped at 2000 points per calendar year.
• Complimentary Air Accident Liability Cover of Rs. 50 Lakhs (will be discontinued w.e.f. August 11, 2025).
• Complimentary credit card Fraud Liability Cover of Rs.1 lakh.
• Supports contactless payments for fast and convenient transactions.
• Globally accepted at over 24 million outlets, including 3,25,000 outlets in India, supporting VISA/RuPay Cards.
• Emergency Card Replacement facility available worldwide for VISA cardholders.
• Option to empower up to 3 family members (above 18 years) with Add-on Cards at NIL annual fee.
• Cash withdrawal facility from over 1 million Visa ATMs worldwide.
• Features chip and PIN technology for enhanced security.
• Offers an Easy Bill Pay facility for various utility bills.
• Flexipay option to convert transactions of Rs. 2,500 or more into easy monthly installments.
• Balance Transfer on EMI facility allows transferring outstanding balances from other bank credit cards at a lower interest rate.
• Annual Fee: Rs. 2,999 + Taxes.
• Renewal Fee: Rs. 2,999 + Taxes.
• Add-on Fee: NIL.

Other Details

• The card is offered on the VISA/RuPay network.
• Customer Helpline for assistance, reporting lost cards, and Priority Pass requests: Dial 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• This is a co-brand product, and there may be fee and revenue sharing between SBI Card and the co-brand partner.
• Contactless transactions ensure the card never leaves your hand, reducing risk.
• The unique security key feature of Visa payWave/RuPay contactless ensures only one transaction goes through even if the card is waved multiple times.
• Network privileges (VISA/RuPay offers) are subject to their respective Terms & Conditions.
• For detailed Terms and Conditions and Usage Directions, refer to the provided link on the SBI Card website.
• For timely processing of cheque payments, submit account payee cheques following CTS 2010 standards.
• All taxes are applicable on fees, interest, and charges.
• Continued use of the card implies acceptance of amendments in all Terms and Conditions.
• All information provided is subject to change at the discretion of SBICPSL.
• The Most Important Terms & Conditions are available on the SBI Card website.