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UCO Bank SBI Card PRIME

by Kshitiz V Sharma on

The Bottom Line

UCO Bank SBI Card PRIME
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
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