UCO Bank credit cards

Three named SBI Card co-brands. Additional coverage outside the frozen 401-name audit; three limited issuer-bound statement-credit floors.

UCO SimplySAVE, PRIME and ELITE have distinct issuer-bound limited statement-credit floors. No generic SBI alias or other-bank point value is copied onto them.

Verified names

1. UCO Bank SBI Card ELITE
2. UCO Bank SBI Card PRIME
3. UCO Bank SimplySAVE SBI Card

Three checked floors; other published benefits remain unpriced

The UCO Bank credit-card page and the three named SBI Card product pages bind these names. The partner page publishes reward rates and, for some cards, four points equal to ₹1. That alone does not verify all current caps, categories, redemption rules or fees. The UCO page also still advertises Club Vistara perks. We do not import that potentially stale perk block or count it as an ongoing benefit. Check the named SBI issuer documents and actual account terms rather than relying on older partner copy.

UCO SimplySAVE: named statement-credit rules

The named UCO booklet binds 10 points per complete ₹150 on eligible dining and grocery MCCs, a shared 5,000-point calendar-month accelerated cap, then one point per complete ₹150. Its named cash denomination is ₹0.25 per point, but the current linked Shop & Smile program supersedes the old 2,000-point minimum: from 1 April 2026 statement credit uses 4,000-point multiples and a 60,000-point monthly redemption cap. The model projects twelve eligible monthly purchases and one annual request, counts only full blocks up to 60,000 points, and deducts ₹99 plus GST only when redeemable. The current ₹499 plus GST annual fee is deducted without assuming a waiver. Identifiable base retail earns conservatively; delivery MCC is not assumed. Unknown, UPI, fuel, utility and LIC routes, welcome, waiver and fuel relief are unpriced. All other old catalogue and stale-perk caveats above remain.

ELITE, PRIME and SimplySAVE co-brands are not automatically merged with generic SBI models. All points beyond the three limited floors, and all welcome gifts, milestones, lounge access, movie benefits and fee waivers remain unpriced, not absent. UCO Rewardz describes debit-card and digital-banking activity; it is not used as this credit-card reward program.

UCO PRIME and ELITE: distinct named floors

The current dynamic issuer product pages each state four reward points equal ₹1 toward card outstanding. Their individually named booklets bind 10 points per complete ₹100 on eligible dining and groceries, then two points per ₹100 after a shared calendar-month accelerated cap: 7,500 points for PRIME and 10,000 for ELITE. These are distinct named UCO models, not generic SBI aliases. Both use the current 4,000-point statement-credit multiples and 60,000-point monthly redemption limit. Twelve monthly purchases feed one annual request, capped at 60,000 points, with one ₹99 plus GST request charge only if redeemable. Annual fees of ₹2,999 plus GST for PRIME and ₹4,999 plus GST for ELITE are deducted without renewal-waiver assumptions. Delivery earns conservative base points only; dining MCC is not assumed. All UPI, unknown, fuel, utility, LIC and portal routes are unpriced. Birthday, standing-instruction, BigBasket, milestone, movie, fuel-relief, welcome, waiver and other perks are unpriced, not absent. Network is unspecified; both Visa and RuPay tabs appear on the named pages. Stale partner Club Vistara copy remains excluded.

UCO PRIME statement-credit estimate → UCO ELITE statement-credit estimate →

Scope and freshness

Checked 2 October 2026. This is a verified subset, not a guarantee of approval, availability or unchanged terms. All three estimates are limited to the verified rules and assumptions above. They are not full valuations of the cards or guarantees of current applications.

Issuer sources

UCO Bank named co-brand page · SBI named UCO ELITE · SBI named UCO PRIME · SBI named UCO SimplySAVE · UCO ELITE issuer T&C · UCO SimplySAVE issuer T&C · Separate UCO Rewardz · Current Shop & Smile reward and redemption rules · Current named UCO fees · Named UCO PRIME reward and cap booklet