Get a Lifestyle Upgrade with the UCO Bank SBI Card Elite

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

18 Mar 26
4 mins

Shreyansh Singh

08 Mins
18-03-26

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Table of Contents

UCO Bank SBI Card Elite Benefits
UCO Bank SBI Card Elite Fees and Charges

₹5,000 welcome e-voucher from leading retail lifestyle brands.
Earn 5X reward points on dining and grocery purchases.
6 international lounge visits each year with Priority Pass.
₹6,000 yearly movie ticket benefit with monthly bookings.
₹12,500 annual reward value through milestone spending benefits.

The UCO Bank SBI Card Elite is a co-branded credit card from UCO Bank and SBI Card. It targets users who seek premium rewards, travel perks, or lifestyle benefits. The card carries a joining fee of ₹4,999, with the same amount also serving as the annual fee from the second year onwards.

Cardholders begin their journey with a welcome e-gift voucher worth ₹5,000 from brands such as Bata, Pantaloons, Shoppers Stop, Aditya Birla Fashion, and Yatra.

Keep on reading to learn more about the perks offered by this credit card!

UCO Bank SBI Card Elite Benefits

Cardholders earn 5X reward points on dining, grocery, or department store purchases. All other retail transactions earn 2 reward points per ₹100 spent, except fuel purchases. The card also delivers premium value through entertainment perks, travel access, lifestyle privileges, and exclusive network discounts.

Complimentary Movie Tickets

The card provides movie ticket benefits worth ₹6,000 each year. Cardholders can book at least 2 tickets each month. The offer gives a maximum discount of ₹250 per ticket for 2 tickets.

Milestone Privileges

Cardholders can earn up to 50,000 bonus reward points worth ₹12,500 in a year. The card grants 10,000 bonus points on spending of ₹3 lakh and ₹4 lakh, 15,000 points on spending of ₹5 lakh and ₹8 lakh, with annual fee reversal on spending of ₹10 lakh.

Airport Lounge Access

The UCO Bank SBI Card Elite lounge access gives cardholders Priority Pass membership worth $99. The card provides 6 international lounge visits yearly, with 2 visits allowed per quarter. Users also receive 2 domestic lounge visits every quarter across India.

ITC Silver Tier Membership

Cardholders receive a 1-year Club ITC Silver Tier membership. This benefit applies to eligible cards issued from 1 September 2025.

Network Privileges

The card also provides network partner benefits. Visa offers discounts at luxury hotels worldwide, Hertz rentals, Avis rentals, or IHG hotels. RuPay users receive travel cashback on MakeMyTrip, discounts on ZoomCar rentals, or savings at Lifestyle stores.

UCO Bank SBI Card Elite Fees and Charges

Finance charges reach up to 3.75% per month or 45% annually from the transaction date. A minimum finance charge of ₹25 applies to unpaid balances or cash advances.

The table below shows the other important charges levied on this card:

Parameters	Amount
Card Replacement Fee	₹100-250
Cheque Payment Fee	₹200
Cash Advance Charges	2.5% or ₹500, whichever is higher
Overlimit Fee	2.5% or ₹600, whichever is higher.
Late Payment	NIL till ₹500.₹400 for ₹501-1,000.₹750 for ₹1,001-10,000.₹950 for ₹10,001-25,000.₹1,100 for ₹25,001-50,000.₹1,300 for above ₹50,000.

💡Already own the UCO SBI Elite Card? Then install the Pice app on your smartphone. Irrespective of which card you own, this app lets you set credit card bill payment reminders, make payments, and track payment status all from one secure platform.

Footnotes

For concierge support such as flower delivery, gifts, or doctor consultation, contact 1800-2121-68168 or email support@premiumconcierge.in.
Cardholders can request up to 3 add-on cards for parents, spouse, children, or siblings above 18 years.

FAQs

What forex markup does UCO Bank SBI Card Elite charge?

The card applies a foreign currency markup of 1.99% on international transactions. Cardholders also earn 2 reward points for every ₹100 spent outside India.

What fraud liability cover comes with the UCO-SBI co-branded Elite card?

The card provides complimentary ₹1 lakh fraud liability cover from 48 hours before the loss report to 7 days after reporting.

What is the contactless payment limit per transaction?

Contactless payment is allowed up to ₹5,000 for a single transaction. No PIN is required for this amount. Transactions above ₹5,000 require card dip or swipe with PIN.