UCO Bank SBI Card Elite
SBI Card
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
UCO Bank SBI Card Elite by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Official source not yet captured
Fee waiver
Renewal fee of ₹4,999 waived off on annual spends of ₹10 Lakh or more in the preceding year.
Verifiedlounge_travel20 Aug 2026, 12:16 PM ISTSBI Card
Renewal fee
₹4,999 (Waived off on annual spends of ₹10 Lakh or more in the preceding year).
Verifiedlounge_travel20 Aug 2026, 12:16 PM ISTSBI Card
Rewards
Redemption value
- Rewards Redemption Fee: ₹99 (applicable only on physical products, Statement Credit & vouchers sent physically, for all cards except AURUM).
- Reward Points valid for 24 months (for all cards except AURUM).
- Expire on the last day of the 24th month.
Verifiedmitc20 Aug 2026, 12:16 PM ISTSBI Card
Travel & lounge
Lounge access
- Lounge Charges: All Airport Lounge visits within India through International Lounge Access Programs (like Priority Pass) charged a usage fee of up to USD 27 per visit + applicable taxes.
- All Airport Lounge visits outside India through International Lounge Access Programs (like Priority Pass), after exhausting complimentary visits, charged a usage fee of up to USD 27 per visit + applicable taxes.
Verifiedmitc20 Aug 2026, 12:16 PM ISTSBI Card
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Charge
- Finance charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
- Minimum finance charge ₹25.
- Cash advance fee: 2.5% of transaction amount at SBI/other domestic ATMs and international ATMs (subject to a minimum of ₹500).
- Cash payment fee: ₹250.
- Payment Dishonor fee: 2% of Payment amount (subject to a minimum of ₹500).
- Cheque Payment Fee: ₹200.
- Late Payment: Nil for ₹0-₹100.
- ₹100 for >₹100 up to ₹500.
- ₹500 for >₹500 up to ₹1,000.
- ₹750 for >₹1,000 up to ₹10,000.
- ₹950 for >₹10,000 up to ₹25,000.
- ₹1,100 for >₹25,000 up to ₹50,000.
- ₹1,300 for >₹50,000.
- Additional Late Payment Charge ₹100.
- Overlimit Fee: 2.5% of overlimit amount (subject to a minimum of ₹600).
- Card Replacement: ₹100-₹250 (₹1,500 for Aurum).
- Dynamic Currency Conversion Fee: 3.5%.
- Rewards Redemption Fee: ₹99.
- Processing Fee on all Rent Payment Transactions: ₹199.
- Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total Utility Payments if total exceeds ₹50,000 in a billing cycle.
- Fee on Education Payments: w.e.f. 1st Nov 2025, 1% of transaction amount through third-party apps.
- Fee on Wallet Load: w.e.f. 1st Nov 2025, 1% of transaction amount exceeding ₹1,000.
Verifiedmitc20 Aug 2026, 12:16 PM ISTSBI Card
Interest-free period
20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).
Verifiedkfs20 Aug 2026, 12:16 PM ISTSBI Card
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
Is the UCO Bank SBI Card Elite annual fee ever waived?
Renewal fee of Rs.4,999 waived off on annual spends of Rs.10 Lakh or more in the preceding year.
lounge_travelWhat lounge access does the UCO Bank SBI Card Elite include?
Lounge Charges: All Airport Lounge visits within India through International Lounge Access Programs (like Priority Pass) charged a usage fee of up to USD 27 per visit + applicable taxes.
mitcWhat are the transfer ratios for UCO Bank SBI Card Elite points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.sbicard.com/en/most-important-terms-and-conditions.page.
Verifiedlounge_travel20 Aug 2026, 12:16 PM ISTSBI Card
Verified 2026-08-20 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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