UCO Bank
Signature · Card
UCO Bank Visa Signature Credit Card
UCO Bank
Premium credit card from UCO Bank with travel and rewards benefits.
Annual Fee
₹2,499
Joining Fee
₹2,499
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹22,041
Total Annual Benefits
₹24,990
Total Annual Charges
₹2,949
ROI
847%
Fee Waiver Available
Annual fee waived on spending ₹1,24,950 in the preceding year — ₹1,24,950 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
Reward Points
3 RP per ₹100
3 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
1% waiver
₹3,000/yr
Reward Program
Program
UCO Bank Rewards
3 RP per ₹100
Effective cashback: 0.50%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & vouchers
- → Statement credit
Milestone Bonuses
Bonus on reaching annual spend milestone
Spend ₹2,49,900 annually
Bonus Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,499 Excluding GST |
| Annual Fee | ₹2,499 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹30,000
- Min. Annual Income
- ₹3,60,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried or self-employed with stable income required
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Lost Card Liability
₹2.5 L
Report within 24h
- • Insurance applicable on card usage
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security International usage Add-on cards available EMI conversion facility
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
Premium credit card from UCO Bank with travel and rewards benefits. The UCO Bank Visa Signature Credit Card offers 3 RP per ₹100 and is best suited fo...
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