UCO Bank SBI Card PRIME

SBI Card · Open to apply

A UCO Bank co-brand version of SBI Card PRIME: 2 points per ₹100 everywhere except fuel, 10 points per ₹100 on dining, groceries and movies up to 7,500 points a month, a ₹3,000 welcome voucher, eight domestic and four Priority Pass lounge visits a year, and quarterly and annual spend vouchers. Points are worth ₹0.25 each.

Annual fee
₹2,999 + GST a year
Joining fee
₹2,999 + GST
Fee waiver
Annual fee waived on ₹3,00,000 spend per card year
Base rate
2 points per ₹100 on all other retail spends: 2 SBI Card Reward Points per ₹100 (about 0.5% at cash value)
Lounges
Domestic: 8 visits a calendar year; International: 4 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 10 points per ₹100 on dining, departmental stores, groceries and movies: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)

Earns nothing on

  • No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
  • No points on wallet loads, prepaid card purchases and account funding (MCCs 6540, 6541)
  • No points on cash advances and ATM withdrawals
  • No points on EMI conversions (Flexipay, Merchant EMI, Convert2EMI)
  • No points on rent payments (MCC 6513)
  • No points on government-related transactions (MCCs 9399, 9311)
  • No points on digital gaming platforms (MCCs 5816, 7993, 7994)

Where the sources disagree

  • Movies in the accelerated categories: The product page lists 10 points on 'dining, departmental stores and grocery spends'; the T&C booklet (11.3) and Shop & Smile Table No. 2 lists movies (MCC 7832) as well. We include movies.

Terms the calculator does not value

  • Birthday bonus: 20 points per ₹100 on the birthday, the day before and the day after, capped at 2,000 points a calendar year, with no other accelerated points in that window.
  • 20 points per ₹100 on utility bills paid by standing instruction, up to 3,000 points a month. It applies only to standing instructions registered on SBI Card platforms by 31 Mar 2021 (new registrations stopped on 1 Apr 2021), so a new cardholder cannot get it.
  • The accelerated rate does not apply at Metro Cash & Carry and Walmart either (Flipkart Wholesale is the rule wholesale-no-accelerated); neither has a merchant file.
  • Cumulative 20 points per ₹100 on the birthday window is capped at 2,000 points a year for the UCO Bank PRIME (notice of 22 Feb 2021, on the notices page).

Sources

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