The Bottom Line
Great option for high-spending UCO Bank Customers
20 Reward points / ₹100 for utility bills, 10 points on dining, grocery & movies and 2 Rewards for the rest. 9 CV Points for Vistara flights.
Monthly Spend |
₹5K |
₹10K |
₹20K |
₹50K |
₹100K |
Net Reward Yield |
(-2.0%)^ |
(-0.1%)^ |
0.7% |
2.4% |
1.8% |
Est. Monthly Reward (₹) |
(100) |
(10) |
140 |
1,175 |
1,765 |
All-India Rewards Rank* |
274 |
233 |
122 |
10 |
37 |
Within Bank Rank* |
43 |
33 |
23 |
3 |
11 |
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.
|
The UCO Bank SBI Card PRIME offers effective rewards of 5% on utility bill payments, 2.5% on grocery, dining & entertainment and 0.5% on all other spends. Vistara flight bookings via Vistara website earn 8.1% rewards in form of CV points.
Overall, we estimate you can earn a net reward yield of 0.7-2.4% on monthly spends above ₹20,000 with this card.
The CASHBACK SBI Card is the best credit card from SBI Card, no matter how much you spend in a month. It offers a net rewards yield of 1.3-2.3% on all your transactions.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
The Rewards
Card |
UCO Bank SBI Card PRIME |
Card Type |
Reward |
Reward Features |
20 Rewards / ₹100 on Utility bills
10 Rewards / ₹100 on:
– Dining
– Grocery
– Movies
2 Rewards / ₹100 on all other retail spends
9 Club Vistara Points / ₹100 on Vistara flights |
Milestone Rewards |
– Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
– E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lacs |
Other Rewards |
– Complimentary Club Vistara Silver membership
– 2 Complimentary Domestic Airport Lounge Visits / Qtr
– 1 Complimentary International Airport Lounge Visits / Qtr
– 20 Rewards / ₹100 on Birthday (Capped at 2,000 RP)
– Enjoy complimentary Trident Privilege Red Tier Membership |
Rewards Redemption Fee |
₹99 |
Reward Caps |
Unlimited |
Preferred Redemption Method |
Use points to pay off statement balance @ ₹0.25/point |
Fees & Charges
Card |
UCO Bank SBI Card PRIME |
Joining Fee |
₹2,999 + Taxes |
Annual Fee |
₹2,999 + Taxes |
Min. Annual Credit Card Spend
for Fee Waiver |
₹3 Lacs |
Income Criteria |
Salaried |
N/A |
Self-employed |
N/A |
Supplementary Card Fee |
Free |
Interest Rate |
42.00% |
Foreign Currency Markup |
3.50% |
Cash Advance Charge |
2.50% with a minimum of ₹500 |