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UCO Bank SimplySAVE SBI Card VS UCO Bank SBI Card PRIME

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 3 May 2026
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CheQ AU Credit Card

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CheQ AU Credit Card
UCO Bank SimplySAVE SBI Card
UCO Bank SimplySAVE SBI Card
UCO Bank SBI Card PRIME
UCO Bank SBI Card PRIME

Fees & Charges

Joining Fee₹589 + GST
Joining Fee₹2,999 + GST
Renewal Fee₹589 + GST
Renewal Fee₹2,999 + GST
Spend Based WaiverRenewal fee waived on annual spends of ₹1,00,000 or more in the previous year.
Spend Based WaiverAnnual renewal fee waived on spending ₹3,00,000 or more in the preceding year.
Foreign Transaction Fees
Foreign Transaction Fees
Interest Rate (APR)
Interest Rate (APR)

Rewards & Benefits

Welcome BonusEarn 2,000 Bonus Reward Points (worth ₹500) on spending ₹2,000 within 60 days.
Welcome Bonuse-Gift voucher worth ₹3,000 from Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, or Shoppers Stop.
Rewards Rate10X RP (1.66%) on dining, movies, departmental stores & groceries; 1X RP (0.16%) on other spends.
Rewards Rate20 Reward Points per ₹100 on utility bills (capped), 10 RP on dining/grocery/departmental stores.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access8 complimentary domestic airport lounge visits per calendar year (max. 2 visits per quarter).
International Lounge Access
International Lounge Access4 complimentary International Priority Pass Lounge visits per calendar year (max. 2 per quarter).
Travel Benefits
Travel BenefitsUp to 10% on Hertz car rental, up to 35% on Avis, benefits across 900 luxury hotels worldwide.
Movie BenefitsEarn 10X Reward Points on movie spends (1.66% effective reward rate).
Movie Benefits
Dining BenefitsEarn 10X Reward Points on dining spends (1.66% effective reward rate).
Dining Benefits10 Reward Points per ₹100 on dining spends with UCO Bank SBI Card PRIME.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions (₹500-₹3,000), max ₹100 waiver per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions between ₹500 and ₹4,000, max ₹250 per month.

Security & Other

Insurance Benefits
Insurance BenefitsComplimentary credit card fraud liability cover of ₹1,00,000.
Cash Advance Charges
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

UCO Bank SimplySAVE SBI Card

UCO Bank SBI Card PRIME

Who is it for?

The UCO Bank SimplySAVE SBI Card is a value-oriented credit card, ideal for individuals with significant spending in everyday categories like dining, movies, departmental stores, and groceries. It offers a high 10X reward rate on these popular categories, complemented by a welcome bonus of 2,000 reward points worth ₹500. With a low annual fee and an easily achievable waiver threshold, this card provides excellent value for general-purpose rewards and daily expenses.

Who is it for?

The UCO Bank SBI Card PRIME is a premium lifestyle credit card designed for high-spending individuals who frequently dine, shop, pay utility bills, and travel. It offers a substantial welcome e-Gift Voucher worth ₹3,000 and up to 12 complimentary airport lounge visits annually. Cardholders benefit from accelerated reward points on key spending categories and valuable milestone rewards. This card is ideal for maximizing value through its generous benefits and fee waiver opportunities for active users.

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.

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.

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.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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