UCO Bank SBI Card ELITE
SBI Card · Checked 2026-10-09
UCO Bank SBI Card ELITE is a paid card focused on shopping rewards, dining rewards and travel benefits, charging ₹4,999 annually before GST.
CardIQ editorial view
Our take
UCO Bank SBI Card ELITE is a paid card focused on shopping rewards, dining rewards and travel benefits, charging ₹4,999 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10 points per ₹100 on dining, department stores and groceries; 2 on other eligible spends.
- 1.99% foreign-currency markup; six international and eight domestic lounge visits yearly, with quarterly limits.
Trade-offs to understand
- 4 points = ₹1 for eligible redemptions.
- 1.99% foreign-currency markup; six international and eight domestic lounge visits yearly, with quarterly limits.
- The ₹4,999 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10 points per ₹100 on dining, department stores and groceries; 2 on other eligible spends valuable enough to clear the fee. Factor in this condition: 4 points = ₹1 for eligible redemptions.
Compare before deciding
- AU Zenith+ — A similarly priced alternative for comparing reward points and airport lounge access.
- SBI Card ELITE — A similarly priced alternative for comparing reward points and airport lounge access.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- 4 points = ₹1 for eligible redemptions.
- 1.99% foreign-currency markup; six international and eight domestic lounge visits yearly, with quarterly limits.