UCO Bank Credit Card: Features, Rewards & Application Guide

• UCO Bank mainly offers three 3 credit cards for its different users.
   
• The three credit cards have different joining fees and annual fees.
   
• You will see the symbol of SBI on the UCO Bank credit card, as UCO Bank is in collaboration with SBI Cards.

UCO Bank credit cards offer affordable fees, useful rewards, and flexible benefits for everyday spending. They are designed to make payments easier while adding value through cashback, reward points, and EMI options. 

For example, Riya, a young professional, uses her UCO Bank credit card for groceries and dining. She earns reward points, redeems them for discounts, and converts big purchases like a new phone into easy EMIs. This helps her manage expenses smartly while enjoying extra benefits.

Now we see all the details about the type of card UCO Bank provides.

Card Variants and their Key Highlights

UCO Bank provides a diverse portfolio of SBI credit cards, each designed to cater to different spending preferences and lifestyle requirements. These cards carry distinct fee structures, exclusive welcome privileges, and tailored reward programmes that enhance the overall value of everyday transactions.
 

Through a careful comparison of these card variants, individuals can identify the option most closely aligned with their lifestyle and spending patterns, thereby maximising the potential for rewards and optimising the overall benefits derived from every transaction.

Bonus point:- Add-on fee for all three cards is Nil.

Cards and Their Benefits

Each UCO Bank SBI Credit Card comes with unique benefits designed to reward frequent spending and provide extra value. From bonus reward points to fuel surcharge waivers, these features make every purchase more rewarding.
 

By developing a clear understanding of the distinct benefits offered by each card, you can make an informed selection that aligns with your spending behaviour, thereby enabling consistent savings and maximised rewards throughout the year.

Bonus point:-  These are co-branded cards with SBI Bank, so they allow customers to access SBI Card’s credit card products and benefits also.

Cards and Their Rewards

UCO Bank’s SBI credit cards provide a strong rewards system that adds extra value to daily expenses. Each card variant offers higher reward points on selected categories such as dining, groceries, and departmental stores, while also giving a clear redemption process that increases the practical use of accumulated points.
 

By using these reward structures wisely, cardholders can make the most of their spending, collect more points, and easily turn them into valuable financial benefits, which together make the overall credit card experience more rewarding.

UCO Bank Credit Card Pros & Cons

It is important to consider both the benefits and the limitations of a credit card. This allows you to decide whether the card matches your financial needs and lifestyle.

Pros
 

• Low Annual Fees: UCO Bank credit cards come with affordable annual fees, making them budget-friendly.
   
• Reward Points: You earn points on purchases that you can redeem for products, services, or discounts.
   
• Cashback Offers: Get money back on selected spends like dining, shopping, and utility bills..
   
• EMI Option: Turn large purchases into easy EMIs for better financial flexibility.
   

Cons

• Limited Rewards: The rewards programme is not as wide or varied as those of some other banks.
   

• High Interest Rates: If you don’t pay the full balance, the card can attract high interest charges.

   

• Strict Eligibility: You need a good credit history and steady income to qualify for these cards.
   
• International Use: Although widely accepted, the card may not work in some international locations compared to premium brands.

UCO Bank credit cards offer useful features like low fees, rewards, and cashback. But they also have some limits, such as strict eligibility and higher interest rates.

Documents Required for a UCO Bank Credit Card

When applying for a UCO Bank credit card, you must provide certain documents to verify your identity, address, income, and eligibility. Submitting the correct paperwork ensures a smooth and quick approval process.

1. Identity Proof

You can provide any one of the following:

• Aadhaar Card
• Passport
• Voter ID
• Driving Licence
• PAN Card

2. Address Proof

You may submit:

• Aadhaar Card
• Utility Bills (Electricity, Water, Gas)
• Passport
• Rent Agreement
• Bank Statement with current address
• Driving Licence

3. Income Proof

• For Salaried Individuals:
  • Recent salary slips (last 3 months)
  • Bank statements (last 3–6 months)
  • Form 16 or Income Tax Return (ITR)
     
• For Self-Employed Individuals:
  • Income Tax Returns (last 2 years)
  • Bank statements (last 6 months)
  • Audited financial statements (for business owners)
     

4. Photographs

• Two recent passport-sized photographs
   

5. Application Form

• A completed and signed credit card application form

By keeping these documents ready and submitting them with your application, you can speed up the approval process and enjoy the benefits of your UCO Bank credit card without unnecessary delays.

How to Apply for a UCO Bank Credit Card Offline

You can apply for a UCO Bank credit card by visiting your nearest branch. The process is simple and requires a few key steps.

1. Visit the Branch: Go to a UCO Bank branch that offers credit card services.
    
2. Get the Form: Request and collect the application form.
    
3. Fill the Form: Enter your personal, employment, and income details carefully.
    
4. Submit Documents: Provide ID proof, address proof, income proof, and photographs.
    
5. Verification: The bank verifies your details.
    
6. Approval & Issuance: Once approved, the credit card is sent to your registered address, and then you can activate it.

By completing these steps with the required documents, you can successfully apply for and start using your UCO Bank credit card.

Conclusion

UCO Bank credit cards offer rewards, cashback, and EMI options at affordable fees. By picking the right card and using it wisely, you can manage your spending better and enjoy more value. They also suit both salaried and self-employed users, making them a handy choice for daily needs.

FAQ’s

Does UCO Bank give a Credit Card?

Yes, UCO Bank credit cards offer a wide range of benefits that give you quick access to finance for your business.

How can I check my Credit Card eligibility?

You can check your credit card eligibility by meeting basic criteria such as age (18–60 years), income level, and employment type.

What is the minimum CIBIL score for a UCO Bank personal loan?

The minimum CIBIL score required for a UCO Bank personal loan is 750.

Which is better, SBI or UCO?

In the last financial year, SBI paid a dividend of ₹15.9 per share, with a payout ratio of 18.3%. In comparison, UCO Bank paid ₹0.4 per share, with a slightly higher payout ratio of 19.8%.

Is UCO Bank a Zero Balance Account?

Yes, UCO Bank offers zero-balance accounts like the No-Frills Savings Account.

Which Bank is better, UCO or HDFC?

HDFC Bank is considered better as it outperforms UCO Bank on 13 out of 18 technical parameters.

What is Kuber Yojana in UCO Bank?

UCO Bank’s Kuber Yojana is a long-term fixed deposit scheme where interest is compounded quarterly and reinvested.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.