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SBI Card

UCO Bank SBI Card Elite

Source-traced to issuer Verified 2026-08-20
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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

Annual / renewal fee

₹4,999.

Verified · lounge_travel · 2026-08-20 · source

Fee waiver

Renewal fee of ₹4,999 waived off on annual spends of ₹10 Lakh or more in the preceding year.

Verified · lounge_travel · 2026-08-20 · source

Renewal fee

₹4,999 (Waived off on annual spends of ₹10 Lakh or more in the preceding year).

Verified · lounge_travel · 2026-08-20 · source

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.

Verified · mitc · 2026-08-20 · source

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.

Verified · mitc · 2026-08-20 · source

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Eligibility

Not published in the official documents on file — see the official T&C link below.

Charges & interest

Forex markup

Foreign Currency Transaction Fee: 3.5%.

Verified · mitc · 2026-08-20 · source

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.

Verified · mitc · 2026-08-20 · source

Interest-free period

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

Verified · kfs · 2026-08-20 · source

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the UCO Bank SBI Card Elite?

Officially traced: Rs.4,999.

lounge_travel

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_travel

What 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.

mitc

What 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 issuer pagelounge_travelmitckfs

Official terms

https://www.sbicard.com/en/most-important-terms-and-conditions.page.

Verified · lounge_travel · 2026-08-20 · source

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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