UCO Bank SBI Card Elite

Renewal feeJoining fee

₹4,999 + GST

Fee waiver rule

Fee waived if you spend ₹10 lakhs.

Add-on card fee

₹0

Welcome benefit

Welcome e-Gift Voucher worth ₹5,000.

Reward rate

2 Reward Points per ₹100 · everyday spends2 Reward Points per ₹100 on all other spends, except fuel.

Groceries earningReward earning on dining spends

5X Reward Points on dining, departmental stores and grocery spends.

Reward earning on international spends

Earn 2 Reward Points on every ₹100 spent on international transactions.

Reward exclusions

Except fuel

What one reward unit is worthCatalogue redemption

4 Reward Points = Re. 1.

Statement-credit redemption

Pay your outstanding card bill using Reward Points.

Point expiry

Reward Points accrued under the Rewards Program are valid for a period of 24 months.

International lounge access

6 complimentary airport lounge visits per calendar year, outside India (max. 2 visits per quarter)

Domestic lounge access

2 complimentary domestic airport lounge visits every quarter.

Priority Pass

Complimentary membership to the Priority Pass Program worth $99; valid for 2 years only

Hotel or travel programme

Complimentary 1-year Club ITC Silver Tier Membership.

Concierge

Dedicated assistance on flower delivery, gift delivery, and online doctor consultation.

Milestone benefits

10,000 Bonus Reward Points on annual spends of ₹3 lakhs and 4 lakhs; 15,000 Bonus Reward Points on annual spends of ₹5 lakhs and 8 lakhs.

Movie or entertainment ticket benefit

Free movie tickets worth ₹6,000 every year (valid on primary cards only)

Fuel surcharge waiver

1% Fuel Surcharge Waiver across all petrol pumps in Indian on every transaction between ₹500 to ₹4,000.

Lost card liability

Complimentary credit card fraud liability cover of ₹1 lakh.

Add-on card eligibility

Add-on cards for your parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Transfer outstanding balances of other banks’ credit cards at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Convert eligible purchases into easy monthly EMIs.

Forex markup

1.99% on foreign currency transactions.

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Cash withdrawal limit

Max. ₹15,000 per day on ATM withdrawals, subject to Cash Advance Limit availability

Interest on unpaid balance

Upto 3.75% per month (45% per annum)

Interest-free period

20-50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full)

Late payment fee

Nil to ₹1,300

Over-limit fee

2.5% of Overlimit Amount (minimum ₹600)

Payment return or dishonour fee

2% of Payment amount (minimum ₹500)

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Cheque payment / dishonour fee

₹200

Education / school fee charge

1% of the transaction amount applicable on Education Payments made through third-party apps.

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

Reward redemption fee

₹99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM. No redemption fee will be charged to the card account if, the card account status is found voluntarily closed on the fee posting date

Wallet load charge

1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000.

Rent transaction fee

₹199

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

GST rate of 18%

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

Minimum Amount Due shall be 100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of finance charges+ Overlimit Amount (if any) + 2% of remaining balance outstanding.

Minimum age

Minimum 21 years