South Indian Bank Credit Cards

Simplify your payments with a SIB credit card and earn rewards on every eligible transaction. Choose a card that aligns with your financial and lifestyle preferences. Find basic details below to make the right choice.

Disclaimer: The fees and details mentioned above may change as per the policies of the issuer. Check them before you apply. 

SIB credit cards come with a range of benefits. Here are some standout features of different cards you can apply for:

South Indian Bank SimplySAVE SBI Card

• Save on additional fuel expenses with a 1% fuel surcharge waiver at all petrol pumps

• Earn 10 reward points every time you spend ₹150 on movies, groceries, departmental store purchases, and dining

• Get extra 2,000 reward points on spending over ₹2,000 within the first 60 days of card activation

• Enjoy access to a credit limit of up to ₹5 Lakhs

South Indian Bank SBI Platinum Card 

• Receive ₹3,000 in gift vouchers as a welcome gift after your first transaction

• Earn 2 reward points for every ₹100 you spend on eligible purchases

• Access a credit limit of up to ₹10 Lakhs for increased spending power

• Enjoy a complimentary Priority Pass membership worth $99

• Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at petrol stations in India

SIB-OneCard Credit Card

• Experience a completely digital onboarding process for hassle-free access

• Get your virtual card issued instantly for immediate use

• Manage your card effortlessly through the OneCard app

• Enjoy instant reward points, with easy redemption available within the app

• Make contactless payments of up to ₹5,000 daily without a PIN

The South Indian Bank Credit Cards’ Rewards Programme lets you earn points for every eligible transaction you make. You can accumulate these reward points and redeem them for various benefits, including:

• Flight bookings

• Hotel stays

• Shopping vouchers

• Mobile recharges

This programme enhances the value of using your SIB credit card. It encourages you to engage in everyday spending while enjoying additional perks and savings.

Each credit card offered by South Indian Bank comes with its own set of eligibility criteria. Generally, SIB requires you to meet certain basic qualifications, which includes the following: 

• Age between 21 and 65 years 

• Indian residing in a serviceable area or NRIs (depending on the card)

• Salaried or self-employed with a stable income

• CIBIL score of 720 or more

Be sure to refer to the bank’s official guidelines before you apply for an SIB credit card to confirm that you meet the requirements.

Submitting the right documents is important for the bank to verify your identity and eligibility. Here’s a list of the documents typically required for different SIB credit cards:

• Identity Proof: PAN card and Aadhaar card

• Income Proof: Income Tax Returns (ITR)/ Latest salary slips/Form 16

• Address Proof: Ration card or Utility bill (electricity, phone, water)

SIB is currently issuing the South Indian Bank-OneCard Credit Card only to pre-approved customers. Eligible customers will receive an SMS or email from SIB, which will include a link to apply for the card. You can enter your mobile number and OTP to verify your attempt for accessing the pre-approved card.

However, you can also visit the OneCard website or use their app to get this card. Here is how to apply for a South Indian Bank credit card online:

1. Visit the website or open the mobile application

2. Click on ‘Apply Now’

3. Enter your mobile number and enter the OTP you receive

4. Enter your personal and address details and submit the application

5. OneCard will then initiate the credit assessment process 

6. After that, it will update you about your application

For the South Indian Bank SimplySAVE -SBI Card and the South Indian Bank- SBI Platinum Credit Card, you can follow these steps:

1. Visit the official site of SBI Card

2. Click on the Credit Cards tab

3. Select the South Indian Bank SimplySAVE-SBI Card or South Indian Bank-SBI Platinum Credit Card

4. Click on ‘Apply Now’

5. Complete the online application form with all the necessary details

6. Click on ‘Submit’

7. If approved, an SBI Card team member will contact you for verification

8. After the necessary verification, SBI Card will issue your card

South Indian Bank is a prominent private-sector bank in India. With its partnership with SBI Card and OneCard, it offers a range of credit cards tailored to meet your financial needs. 

SIB credit cards allow you to enjoy instant cashback, dining privileges, fuel surcharge waivers, discounts on movie tickets, and much more.

SIB Credit Cards are hosted on the VISA payment network. 

When choosing a credit card, it's important to be mindful of the related fees and charges. Being aware of these costs ensures you can manage your credit responsibly and avoid unexpected expenses. 

Here's a quick overview of the primary fees and charges associated with South Indian Bank credit cards:

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: Fees and charges may change based on updates by the issuer. Check the latest charges applicable as per the Most Important Terms and Conditions (MITC). 

Contact SIB's customer care team to address any concerns you may have regarding your credit card.

• Call: 1800 425 1809 / 1800 102 9408 (Toll-Free); For NRIs: +91 484 6689600 / +91 484 2388555

• Email: customercare@sib.co.in

You can activate the SIB-OneCard Credit Card easily through the OneCard app. For cards in partnership with SBI Card, you can log in to your SBI Card account or call the helpline number. 

To stop using your South Indian Bank Credit Card, follow these steps:

• Remember, once your card is closed, you won’t be able to make any new purchases with it.

• Closing your card may affect your credit score and reduce financial flexibility. When you are ready to get a new card, explore options on Bajaj Markets.

• Make sure all outstanding balances are paid and any reward points are used before proceeding with the closure.

• To proceed, call 1800 425 1809 / 1800 102 9408 (Toll-Free); For NRIs: +91 484 6689600 / +91 484 2388555or email customercare@sib.co.in. The customer service team will guide you through the process.

South Indian Bank will send you regular reminders to settle any outstanding amounts on your credit card. These reminders are delivered via post, phone, email, SMS, or through third-party agencies. Any involved third party will have to follow the relevant Code of Conduct for debt collection.

If payments are not made within the grace period provided by SIB, it may place restrictions on your credit card usage. To lift these restrictions, you need to fully clear any outstanding dues. The issuer will review each case individually based on the circumstances.