UCO Bank SBI Card ELITE VS UCO Bank SBI Card PRIME VS UCO Bank SimplySAVE SBI Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
UCO Bank SBI Card ELITE
UCO Bank SBI Card PRIME
UCO Bank SimplySAVE SBI Card
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Enjoy substantial welcome benefits including a ₹5,000 e-Gift Voucher and ₹6,000 in movie tickets.
Earn accelerated 5X reward points on dining, departmental stores, and grocery purchases.
Benefit from a comprehensive lounge access program with 6 international and 8 domestic visits annually.
Features a competitive low foreign currency markup of just 1.99% for international spends.
High spenders can earn up to ₹12,500 in bonus rewards through attractive milestone benefits.
Pros
Key benefits and features.
Receive a substantial welcome e-Gift Voucher worth ₹3,000 upon joining the card.
Generous complimentary airport lounge access, including 4 international and 8 domestic visits annually.
Accelerated reward points on high-spend categories like utility bills, dining, departmental stores, and groceries.
Valuable milestone benefits, including e-vouchers and annual fee waiver for high spenders.
Enjoy a complimentary 1-year Club ITC Silver Tier Membership with this card.
Pros
Key benefits and features.
Enjoy a high 1.66% reward rate on dining, movies, departmental stores, and groceries.
Benefit from a low annual fee with an easily achievable waiver threshold of ₹1,00,000.
Receive a valuable welcome bonus of ₹500 for a modest initial spend on the card.
Access essential features like EMI conversion, balance transfer, and utility bill payments.
Experience convenience and security with contactless payment functionality.
Cons
Key drawbacks and limitations.
The UCO Bank SBI Card ELITE comes with a relatively high annual fee of ₹4,999 + taxes.
The general spend reward rate of 2 reward points per ₹100 is considered average.
Fuel transactions are explicitly excluded from earning reward points on this card.
Note that the complimentary Priority Pass membership is valid for a limited period of 2 years.
Key details like interest rates and cash advance fees are not explicitly provided in the documentation.
Cons
Key drawbacks and limitations.
The annual fee of ₹2,999 + taxes is relatively high.
The accelerated reward rate for utility bill payments significantly drops after earning 3,000 points.
General retail spend earns a low reward rate of 2 Reward Points per ₹100.
No explicit information on foreign currency markup, which could be a drawback for international transactions.
Lack of explicit details on interest rates, cash advance fees, or other potential charges.
Cons
Key drawbacks and limitations.
The base reward rate of 0.16% on all other spending categories is relatively low.
Lacks explicit premium travel benefits, including complimentary airport lounge access.
No clear information provided regarding foreign currency markup or international transaction rewards.
Absence of explicit caps on reward earning might create uncertainty for high spenders.
Key details like interest rates, cash advance fees, or late payment charges are missing.