The eligibility criteria is usually different for every credit card. However, the basic eligibility criteria for all the credit cards is that the applicant’s age must be between 18-60 years. Apart from this, the applicant should also have a regular source of income and should be able to provide relevant documents as proof of identity, address and income.
UCO Bank Credit Card
UCO Bank offers credit cards in collaboration with SBI Card. Currently, the bank offers three credit cards that let their users earn reward points on every purchase. Additionally, you can also avail entertainment, travel, fuel and other benefits via UCO Bank credit cards. However, you should always choose a credit card based on your expenses and repayment capacity. Here are all the credit cards that are offered by UCO Bank.
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Top UCO Bank Credit Cards
UCO Bank credit cards let their users earn reward points on multiple categories, such as travel, shopping, lifestyle and more. You can apply for any of the UCO Bank SBI cards as per their eligibility and your spending pattern and repayment capacity. Some of the top credit cards offered by the bank are as follows:
UCO Bank SimplySave SBI Card
Best suited for : Rewards
Joining Fee: ₹ 499/-
Annual Fee: ₹ 499/-
(Waived off on spending Rs. 1 lakh in a year)
UCO Bank SBI Card Prime
Best suited for : Rewards & Lifestyle
Joining Fee: ₹ 2,999/-
Annual Fee: ₹ 2,999/-
(Waived off on spending Rs. 3 lakh in a year)
UCO Bank SBI Card Elite
Best suited for : Rewards & Travel
Joining Fee: ₹ 4,999/-
Annual Fee: ₹ 4,999/-
(Waived off on spending Rs. 10 lakh in a year)
Fees & Charges
The fees and charges for UCO Bank credit cards vary from card to card. However, there are certain charges, such as finance charges or late payment fees which are similar for all credit cards. Below mentioned are the applicable fees and charges for UCO Bank credit cards:
| Fee Type | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/ Annual Fee | Varies from one card to another | ||||||||||||||
| Finance Charges | 3.50% p.m. (42% p.a.) | ||||||||||||||
| Late Payment Fee |
|
Eligibility & Documentation
The bank generally offers credit card to people with a good credit score (preferably above 750). Apart from the credit score, your chances of approval also depend on your income, spending pattern and other factors. Below mentioned is the eligibility that is applicable to all the credit cards:
The applicant should have a minimum age of 18 years and a maximum age of 60 years
Both salaried and self-employed individuals can apply for UCO Bank credit cards
Click here to find the list of required documents
Click here to find the list of serviceable cities
UCO Bank Credit Card Apply Online
As stated above, UCO Bank is not a Paisabazaar’s partner, which means you cannot apply for UCO Bank credit cards through Paisabazaar. However, if you are planning to apply for a credit card through our platform, then you can follow the below-mentioned steps to check available options:
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Provide your mobile number in the form to start the application process
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You can find pre-approved offers on the screen once you provide the OTP
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Compare available options and select the credit card that suits your requirements the best
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Apply for the card and provide documents for smooth processing of the application
Quick Links to Manage Your UCO Bank Credit Card
Here are some of the important links that will help you manage your UCO Bank credit cards:
FAQs
If you make a transaction that exceeds the available credit limit on your credit card, it is completely at the bank’s discretion to approve or reject the transaction. If the transaction is approved, an over-limit fee will be charged on the amount. However, the bank can also reject your transaction. This is decided by the bank as per your eligibility, income and other factors.
The income requirement varies from card to card. Sometimes, the bank discloses the income requirement before the application. However, in some cases, you will get to know about the income requirement only after applying for the credit card.
Yes, you can withdraw cash using your UCO Bank Credit Card through the ATM. However, a cash advance fee of 2.5% of the transaction amount or Rs. 500, whichever is higher, will be charged by the bank. Therefore, it is advisable not to withdraw cash using a credit card until it’s an emergency.
You can apply online as well as offline for any of the UCO Bank credit cards. To apply online, you can visit the official website of the bank to fill out the application form. However, if you want to apply offline, you have to visit the nearest branch of the bank, to begin with, the application.
You can update your mobile number or email address online through the net banking facility provided by the bank. You can login to the net banking portal, using your credentials and change your mobile number or email address. Additionally, you can also update your mobile number or email address by visiting the nearest branch of the bank.
Currently, the bank offers credit cards that offer travel benefits, such as complimentary domestic and international lounge visits, complimentary membership and more. However, there is no specific travel credit card is offered by UCO Bank in collaboration with any airlines or travel company.