UCO Bank SBI Card PRIME

Eligible dining/grocery statement credit: 10 points/₹100, shared 7,500-point monthly cap; full 4,000-point blocks, one request charge and GST-inclusive annual fee

Named UCO co-brand statement-credit floor

One entered eligible direct-card, non-EMI retail purchase is repeated monthly for twelve months. Each complete ₹100 block earns 10 points on eligible dining MCCs 5812, 5813 or 5814 and grocery MCC 5411. The 7,500-point calendar-month accelerated cap is shared across all promoted categories, not a separate grocery or dining cap. After reaching it, additional complete blocks earn two points per ₹100. The named booklet binds this specific UCO PRIME card, and the current Shop & Smile terms explicitly bind banking co-brand rates and caps. Eligible Amazon, Flipkart, Myntra, Shoppers Stop, other shopping, Swiggy and Zomato direct-card retail use a conservative base of two points per complete ₹100. Delivery names do not prove dining MCC. Metro Cash & Carry, Flipkart Wholesale and Walmart receive no grocery/departmental acceleration. Splitting purchases can change point awards. The named issuer product page states four points equal ₹1 toward outstanding card bills, not a generic SBI denomination import. From 1 April 2026 the current program requires statement-credit multiples of 4,000 points and caps redemption at 60,000 points per card per calendar month. This floor accumulates twelve monthly awards and counts only full 4,000-point blocks up to 60,000 points in one annual request. One ₹99 plus estimated 18% GST request charge (₹116.82) is deducted only if a redemption is possible. Residual points get zero modeled value; they may carry forward but expire after 24 months. Statement credit reduces outstanding card bills, not cash withdrawal or a monthly payout. Monthly result is annual redeemable value divided by twelve before the card fee. Current named issuer fees are ₹2,999 plus GST for joining and annual renewal; the calculator deducts one ₹3,538.82 annual charge without assuming renewal waiver, and does not add joining and renewal together. Birthday, utility standing-instruction, BigBasket, departmental-store and movie acceleration, milestones, welcome gifts, fee-waiver value, movie discounts, fuel relief, lounges, insurance and other perks are unpriced, not absent. All UPI, fuel, utility, LIC, membership, portal, travel and unknown-payment routes are unpriced. Fuel, cash advances, balance transfers, fees, wallet/account funding, rent, government-related and digital-gaming transactions are excluded under issuer rules. EMI conversions and successful instant-discount/cashback offers can reverse points; refunds and disputes adjust awards. No starting points, other cap-consuming spending, refunds or reversals are assumed. Merchant coding, current KYC, an active account and timely payment matter. Network remains unspecified because the named page shows both Visa and RuPay tabs rather than one exclusive network. Pay in full; interest and other charges can erase returns.

Twelve-month redemption examples

One ₹30,000 eligible grocery purchase monthly earns 3,000 points per month, 36,000 annually, or ₹9,000 statement credit. Less one ₹116.82 request charge and ₹3,538.82 annual card fee gives ₹5,344.36 annual net. At ₹10,000 monthly, 12,000 points redeem for ₹3,000 credit, giving net −₹655.64. At ₹99 per purchase no complete earn block exists. Below 4,000 annual points, no current statement-credit value is counted and the annual card fee still applies. High annual balances can redeem only 60,000 points in the one-request floor, or ₹15,000 gross credit; maximum annual net is ₹11,344.36. Additional residual points are unpriced, not necessarily lost. Shared caps, other spending, refunds, EMI and actual merchant coding can change the results. No welcome, milestone or renewal waiver is assumed.

Issuer sources

Named UCO PRIME product and statement-credit denomination · Named card reward, MCC and cap booklet · Current Shop & Smile co-brand and redemption rules · Current named joining and annual fees

Checked 2 October 2026. Network unspecified; UPI and other perks unpriced. Only verified eligible direct-card retail priced.