UCO Bank Credit cards

UCO Bank, in collaboration with SBI Card, offers a selection of credit cards designed to cater to various needs and preferences of its customers. These credit cards provide users with the opportunity to earn reward points on every purchase, alongside additional benefits in categories such as entertainment, travel, and fuel. When choosing a credit card, it’s important to consider your spending habits and repayment capacity to select the most suitable option. Below is a detailed overview of the credit cards offered by UCO Bank.

Pre-Approved Credit Card Offers

For those interested in exploring pre-approved credit card offers, UCO Bank provides an easy and quick way to check available options. By entering your mobile number, you can instantly view the offers tailored to your profile. Here’s how you can check pre-approved credit card offers:

1. Submit Your Mobile Number: Enter your mobile number to initiate the process.

2. Check Offers: Once you submit your number, you will be able to see the available offers.

By submitting this information, you agree to the terms outlined in the Credit Report Terms of Use, Terms of Use, and Privacy Policy. Note that UCO Bank is not affiliated with Paisabazaar, and the content provided here is solely for informational purposes.

Top UCO Bank Credit Cards

UCO Bank credit cards offer reward points across multiple categories such as travel, shopping, and lifestyle. These cards are designed to meet the diverse needs of customers, allowing them to earn rewards while managing their expenses effectively. Some of the top UCO Bank credit cards include:

1. UCO Bank SBI Card ELITE: Ideal for high spenders, this card offers premium benefits in travel, dining, and lifestyle.

2. UCO Bank SBI Card PRIME: This card is suited for those looking for balanced benefits across various categories, including entertainment and shopping.

3. UCO Bank SBI Card SIMPLYSAVE: Perfect for everyday spending, this card provides enhanced reward points on routine expenses like groceries and dining.

Each of these cards comes with unique features and benefits tailored to different spending patterns and lifestyle needs.

Fees & Charges

The fees and charges associated with UCO Bank credit cards vary depending on the specific card. However, there are standard charges applicable across all cards, such as finance charges and late payment fees. Here is a detailed breakdown of the common fees and charges:

• Joining/Annual Fee: Varies from one card to another.

• Finance Charges: 3.50% per month (42% per annum).

• 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 are designed to ensure transparency and help customers manage their credit responsibly.

Eligibility & Documentation

UCO Bank typically offers credit cards to individuals with a good credit score, generally above 750. Approval also depends on factors such as income, spending habits, and other financial parameters. The following are the general eligibility criteria for UCO Bank credit cards:

• Age: Applicants should be between 18 and 60 years old.

• Occupation: Both salaried and self-employed individuals are eligible to apply.

• Documents Required: A list of required documents is available here.

Serviceable Cities

UCO Bank credit cards are available in multiple cities. You can find a list of serviceable cities here.

Applying for UCO Bank Credit Cards Online

Although UCO Bank is not a partner of Paisabazaar, you can still apply for their credit cards through other channels. If you wish to apply for a credit card via Paisabazaar, follow these steps:

1. Fill the Form: Provide your mobile number in the application form to start the process.

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 select the card that best suits your needs.

4. Apply and Submit Documents: Complete the application process by submitting the necessary documents.

Conclusion

UCO Bank, in collaboration with SBI Card, offers a diverse range of credit cards to cater to different financial needs and lifestyles. These cards not only provide the benefit of earning reward points on every purchase but also offer additional perks in entertainment, travel, and fuel. By understanding the fees, charges, and eligibility criteria, customers can choose a credit card that aligns with their financial goals and spending habits. Whether you are a high spender seeking premium benefits or someone looking for everyday rewards, UCO Bank has a credit card to suit your requirements.