UCO Bank, in partnership with SBI Card, provides a range of credit cards tailored to meet various customer needs and preferences. Users can accrue reward points on every purchase and enjoy benefits across sectors such as entertainment, travel, and fuel. Understanding your spending patterns and repayment capacity is crucial when selecting the right credit card option. Below is a comprehensive summary of the credit cards offered by UCO Bank.

Pre-Approved Credit Card Offers

Interested individuals can easily access pre-approved credit card offers via UCO Bank. By providing your mobile number, you can swiftly check the offers that match your profile. Here's how to check pre-approved offers:

1. Submit Your Mobile Number: Enter your mobile number to start the process.
2. Check Offers: View the available offers after submitting your number.

By submitting your information, you agree to the terms set out in the Credit Report Terms of Use, Terms of Use, and Privacy Policy. Note, UCO Bank is not affiliated with Paisabazaar, and the details provided are solely for informational purposes.

Top UCO Bank Credit Cards

UCO Bank credit cards offer reward points in various categories such as travel, shopping, and lifestyle. These cards are crafted to meet diverse customer needs, enabling them to earn rewards while effectively managing expenditures. Top UCO Bank credit cards include:

1. UCO Bank SBI Card ELITE: Best for high spenders, providing premium benefits in travel, dining, and lifestyle.
2. UCO Bank SBI Card PRIME: Suitable for those seeking balanced benefits across categories, including entertainment and shopping.
3. UCO Bank SBI Card SIMPLYSAVE: Ideal for routine spending, offering increased reward points on daily expenses like groceries and dining.

These cards feature distinct advantages tailored to varied spending behaviors and lifestyle demands.

Fees & Charges

The fees and charges for UCO Bank credit cards differ per card, yet some standard fees apply to all cards, such as finance charges and late payment fees. Here is a breakdown of typical fees and charges:

• Joining/Annual Fee: Varies per card.
• Finance Charges: 3.50% per month (42% annually).
• Late Payment Fee:
  • Outstanding Amount less than Rs. 500: Nil
  • Between Rs. 500 to Rs. 1,000: Rs. 400
  • Between Rs. 1,000 to Rs. 10,000: Rs. 750
  • Between Rs. 10,000 to Rs. 25,000: Rs. 950
  • Between Rs. 25,000 to Rs. 50,000: Rs. 1,100
  • Above Rs. 50,000: Rs. 1,300

These charges aim to maintain transparency and assist customers in managing their credit responsibly.

Eligibility & Documentation

UCO Bank predominantly offers credit cards to individuals with a good credit score, usually above 750. Approval depends on factors such as income and financial activities. The general eligibility criteria for UCO Bank credit cards include:

• Age: Applicants must be between 18 and 60 years old.
• Occupation: Both salaried and self-employed individuals may apply.
• Documents Required: A comprehensive list of needed documents is available here.

Serviceable Cities

UCO Bank credit cards are accessible in numerous cities. Find a list of serviceable cities here.

Applying for UCO Bank Credit Cards Online

Although UCO Bank is not a partner of Paisabazaar, credit card applications can still be made through different avenues. To apply for a credit card via Paisabazaar, perform the following:

1. Fill the Form: Enter your mobile number in the application form to get started.
2. Verify OTP and Check Available Offers: Enter the OTP received on your mobile to view pre-approved offers.
3. Select Preferred Credit Card: Compare the available options and choose the card that best suits your requirements.
4. Apply and Submit Documents: Finalize the application process by submitting required documents.

Conclusion

UCO Bank, together with SBI Card, offers a wide array of credit cards to meet different financial requirements and lifestyles. These cards not only enable you to accrue reward points on purchases but also provide extra benefits in entertainment, travel, and fuel sectors. By understanding fees, charges, and eligibility criteria, customers can opt for a credit card aligned with financial objectives and spending habits. Whether you are a high spender seeking premium perks or someone aiming for everyday rewards, UCO Bank has a credit card to satisfy your needs.