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UCO Bank Swarojgar Credit Card

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Updated: 11-12-2025 12:49:09 PM

UCO Bank, one of the pre-eminent public sector banks, has introduced various products to provide financial respite to the lower and middle income groups. It has come up with credit cards specially designed for MSME workers. UCO Bank Swarojgar Credit Card is one such product that provides sufficient funds at the right time to its customers to meet their economic needs in expanding their business. The card offers immediate credit at affordable interest rate with flexible repayment schedule.

Features of UCO Bank Swarojgar Credit Card
Benefits of UCO Bank Swarojgar Credit Card
Eligibility Norms and Documents Required for UCO Bank Swarojgar Credit Card

Features of UCO Bank Swarojgar Credit Card

Following are the key specifications of this credit card:

  • This card is specially designed to provide financial aid to people involved in micro, small or medium enterprises. Handloom weavers, fishermen, small artisans, rickshaw owners, service sector, self-employed individuals etc. are the targeted customers.
  • The cardholders can avail term loan or cash credit or both.
  • The repayment period is flexible. Customers can repay the term loan in easy instalments over a period of five years.
  • The interest rates charged are economical, promoting the MSM businessmen to expand their business easily by taking loans. The interest rate is MCLR of 1 year along with 1.15% p.a. for term loans and cash credit.
  • UCO Bank Swarojgar Credit Card is valid for 5 years, based on the condition that the account is functional as per bank’s norms. Annual renewal process of the card is effortless and smooth.
  • There is no reward points programme associated with this credit card.

Benefits of UCO Bank Swarojgar Credit Card

The notable advantages of owning this credit card are:

  • UCO Bank Swarojgar Credit Card is a boon for the MSME sector. The prompt cash availability feature of this card provides a great help to the micro-entrepreneurs, rickshaw owners, self-help groups etc.
  • Flexible credit facility can be opted as per customer’s requirements. The cardholder may opt for term loan or cash credit or both.
  • The credit cardholder can avail composite loan as high as ₹ 25,000.

The process of credit card issuance is very easy. Minimal documents are required.

Eligibility Norms and Documents Required for UCO Bank Swarojgar Credit Card

As mentioned earlier, this credit card is specially designed for the MSM entrepreneurs that include borrowers in urban areas, self-help groups, self-employed individuals, micro-entrepreneurs, fishermen, handloom weavers, artisans, rickshaw owners, etc. However, the bank has the complete authority to choose its clients. Also, no government subsidy is valid on this plan.

Following set of documents must be produced by the applicant to get this card:

  • Identity proof like Passport, Aadhaar Card, Driving License etc.
  • Address proof like Utility bills, Voter Card, Ration Card, Passport etc.
  • Income proof like Payslips, bank account statements or ITR.

The applicant must contact UCO Bank to get better knowledge about the eligibility criteria and documentation needed to apply for UCO Bank Swarojgar Credit Card. One can get all these details by visiting a nearby branch or using customer care help or via the official website of UCO Bank.

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