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REWARD POINTS CARD

UCO Bank SBI Card ELITE

SBI Card

Welcome e-Gift Voucher, free movie tickets and milestone Bonus Reward Points, plus 5X Reward Points on dining, departmental stores and grocery spends.

Annual fee ₹4,999 + taxes, same renewal from year 2. Fuel is excluded from the 2 RP per ₹100 earn. Movie tickets are for primary cards only. Fuel surcharge waiver capped at ₹250 per statement cycle.

UCO Bank SBI Card ELITE
ANNUAL FEE
₹4,999 + GST
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Up to 50,000 Bonus Reward Points worth ₹12,500 every year on annual-spend milestones
BEST FOR
Included: May suit cardholders who spend regularly on dining, departmental stores and groceries and travel abroad for lounge.
Included: May suit spends on dining, departmental stores and groceries, which earn 5X Reward Points
Included: May suit annual spends of ₹3 lakh to ₹10 lakh, where milestone bonus points and annual fee reversal apply
Included: May suit those wanting international lounge visits through Priority Pass and domestic lounge visits each quarter
Limitation: Mainly fuel spends (excluded from the 2 RP per ₹100 earn) may wish to compare other cards.
Limitation: Those looking for a card without an annual fee may wish to compare other cards.
Limitation: Those mainly fuel spends, which are excluded from the 2 RP per ₹100 earn may wish to compare other cards.
Limitation: Those annual spends below ₹3 lakh, where milestone bonus points do not apply may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Free movie tickets worth ₹6,000 every year; offer valid on primary cards only
Condition: Priority Pass and its complimentary membership are valid for 2 years only and only for primary cardholders

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
₹4,999 + GST
Fee waived at
Annual fee reversal on annual spends of ₹10 lakh
Forex markup
1.99%
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — 2 complimentary visits every quarter
International airport lounge
6 visits per quarter — 6 visits per calendar year outside India (max. 2 visits per quarter) · Priority Pass membership worth $99, valid 2 years, primary cardholders only; $27 + taxes per visit after free visits
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass (international lounges)
EVERYDAY
Fuel
1% waiver on fuel transactions of ₹500 to ₹4,000 at all petrol pumps in India; max ₹250 per statement cycle
Dining
5X Reward Points on dining, departmental stores and grocery spends
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel spends are excluded from the 2 Reward Points per ₹100 earn
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Up to 50,000 Bonus Reward Points worth ₹12,500 every year on annual-spend milestones
Included: Priority Pass membership worth $99 with 6 international lounge visits a year (max. 2 per quarter) and 2 domestic lounge visits every quarter
Included: Forex markup of 1.99% on international usage, with 2 Reward Points per ₹100 on international transactions
Included: Complimentary 1-year Club ITC Silver Tier Membership after the first transaction within 60 days of card issuance
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.