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South Indian Bank Credit Card Bill Payment

*Disclaimer: South Indian Bank is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only.

South Indian Bank is one of the pioneering Indian banks offering services like personal loans, NRI banking, business loans, and more. As part of its value-added services, the bank has come with two co-branded credit cards with SBI, namely SimplySAVE SBI Card and the South Indian Bank- SBI Platinum Card. The bank has also introduced its next-generation credit card which is the SIB-OneCard Credit Card. While these credit cards offer great convenience in making payments, it is equally important to clear the outstanding SIB credit card bill payment at the end of each payment cycle. The repayment of your credit card is easy and can be done online as well as offline as per your convenience. Read all about the different credit card payment options below. Meanwhile, you can also browse through the Finserv MARKETS website to know more about different credit card options and apply for a credit card!

South Indian Bank Credit Card Online Payment

The SIB-One Card credit card payment can be done easily via net banking, NEFT, UPI`or via the OneCard App. Know more about these payment methods below:

  • Credit Card Bill Payment via Net Banking

South Indian bank credit card online payment via net banking is one of the fastest ways to make the SIB credit card payment. You can directly make the payment via your SIB savings account. One of the biggest advantages of net banking is fast processing as the amount gets instantly debited for payment. In case you don’t have any savings account with the South Indian Bank, you can open an internet banking account for your credit card to make SIB credit card payment online.

  • Credit Card Bill Payment via NEFT/Bill Desk

NEFT is a convenient online facility with the help of which you can transfer funds from your savings account to another account. This facility can be availed by individuals who have a savings account with a bank other than SIB. They can make the South Indian bank credit card payment by transferring funds from any other bank’s savings account.

Bill Desk is another such online facility that helps to make payments in case you don’t have an online account. The payments via BillDesk can be made via different options like debit card, netbanking, funds transfer, etc.

  • Credit Card Bill Payment via UPI/Mobile Wallet

SIB credit card payment via UPI code or mobile wallet is another convenient option for instant payment. Paytm, Google Pay, PhonePe, etc are some examples of mobile wallets that you can use to make SIB credit card payments online. You can download any one of these apps and link your SIB credit card to make payment from the mobile wallet.

  • Credit Card Bill Payment via OneCard App

SIB-OneCard Credit Card is a lifetime free credit card that is fully operable from the OneCard App. You can check the total amount due at the ‘Repayment’ section in the app. Click on ‘Pay Now’ to make payments from the repayment options available on the App.

South Indian Bank Credit Card Payment Offline Methods

Credit Card Bill Payment via ATM

One of the quickest ways to pay your credit card bill is by availing the ATM facility. You can visit your nearest South Indian Bank ATM to pay your credit card bill. You can use your debit card at the ATM kiosk.

  • Insert your debit card at the SIB ATM kiosk

  • Select the option ‘Credit Card Bill Payment’. You can opt for either your Savings Account or Current Account to make this payment.

  • Enter your ATM PIN to make the payment as per the displayed instructions

Credit Card Bill Payment with Customer Care Assistance

In case a cardholder is uncomfortable or is not well-versed in net banking or UPI payments, he/she can avail the help of a customer care executive to make offline South Indian bank credit card payments. The South Indian Bank’s toll-free customer care numbers are 1800 425 1809 and 1800 102 9408. The SIB customer care service is available 24x7, thus assuring instant assistance on all your credit card-related queries.

Credit Card Bill Payment via Cash/Cheque/Demand Draft

To make your offline SIB credit card payment, you can simply draw a cheque or Demand draft (DD) for the outstanding amount at each monthly cycle. This cheque or DD can then be submitted at your nearest South Indian Bank’s branch or South Indian Bank’s ATM dropbox. However, the processing of your cheque or DD by the bank might take 3-5 working days in most cases. In the case of outstation cheques, the processing time may go up to two weeks.

Alternatively, you can also physically visit the nearest SIB branch and make cash payments against your outstanding credit card bill. However, you might have to bear certain ‘over-the-counter’ service charges. Moreover, the processing of your deposited cash for credit card bill payment might take up to one working day.

Comparison of Processing Time for Online and Offline Modes of SIB Credit Card Payment

SIB Credit Card Payment Via

Approximate Processing Time

Net banking



∼1 Working Day

UPI/ Mobile Wallets


ATM Debit Card



∼3-5 days

Cash/ Demand Draft

∼1-2 working days


To know more about credit card payments options, different offers on credit cards, and different features and benefits offered on your card, visit Finserv MARKETS today to explore more!

FAQs about South Indian Bank Credit Card Payment

✔️How can I pay my South Indian Bank credit card bill?

You can opt for South Indian Bank credit card online payment to clear your credit card bill. The online payment modes include net banking, NEFT, Bill Desk, UPI, or SIB Credit card payment via the OneCard App. You can also opt for South Indian Bank credit card payment via offline mode. The offline mode includes payment via cheque, cash, etc.

✔️How can I pay my South Indian Bank credit card bill instantly?

You can pay your South Indian Bank credit card bill instantly by online mode. This can be done with the help of Net-banking, NEFT transfer, or instant UPI payment. You can also opt for offline payment modes like paying in cash or drawing a cheque or a demand draft. However, these offline modes might take 3-5 working days for processing.

✔️How do I check my South Indian Bank credit card balance?

The South Indian Bank provides 24x7 customer assistance service, also known as the SIB Missed Call Service. By availing this service, the cardholder just has to give a miss call on the allotted number 09223008488 for balance information. You won’t be charged any fees for making the call. Once you make the miscall, you will be informed about the balance in your active account and via SMS. Alternatively, you can also use net banking or check your monthly credit card statements to know your SIB credit card balance.