South Indian Bank Credit Card Details

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South Indian Bank

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

South Indian Bank (SIB) is one of the pioneering banks in India, with its establishment dating back to the ‘Swadeshi’ Movement. First of the Kerala-based banks to implement the ‘Core Banking System’, SIB now provides exceptional financial services across 924 branches. Being one of the most pro-active banks in India with a competent tech-savvy team, SIB offers financial services like personal banking, priority banking, NRI banking, business banking, and more.

What is a South Indian Bank Credit Card?

South Indian Bank offers co-branded SBI Credit Cards as part of their value-added services. These credit cards offer a number of privileges to cardholders. With the South Indian bank credit card, you need not carry excess cash with you anymore. The South Indian credit card also provides some amazing discounts and unmatched benefits when it comes to your lifestyle. With the SIB credit card, you can now enjoy instant cashbacks, dining privileges, fuel surcharge waivers, discounts on movie tickets, and much more. To know more about the credit card rewards and benefits, read below.

Types of South Indian Bank Credit Cards

The South Indian Bank, in collaboration with the SBI cards, has come up with its co-branded credit cards, also known as South Indian Bank-SBI credit cards. These co-branded credit cards are of two types:

  1. South Indian Bank SimplySAVE - SBI Credit Card

  2. South Indian Bank - SBI Platinum Card

Comparison of Important Features of South Indian Bank Credit Cards

Features

South Indian Bank SimplySAVE -SBI Credit Card

South Indian Bank- SBI Platinum Card

Joining Fee

Rs.499

Rs.2999

Annual Fee

Rs.499

Rs.2999

Credit Limit 

Upto Rs.5,00,000

Upto Rs.10,00,000

Reward points  

1 per Rs.100 spent

2 per Rs.100 spent

Accelerated Reward points

The cardholder can earn 10 reward points per Rs.100 spent on dining, movies, departmental, and grocery.

The cardholder can earn 10 reward points per Rs.100 spent on dining, movies, departmental and grocery.

Welcome Offer 

Cardholders will receive 2000 reward points on spends of Rs.2000 within the first 2 months of card activation.

Cardholders can avail gift vouchers worth Rs.3000/- from any one of the M/s SBI Cards Partners, once the first payment is realised

Fuel surcharge waiver

1% fuel surcharge waiver across all petrol pumps

1% fuel surcharge waiver across all petrol pumps

What is an SIB-OneCard Credit Card?

As compared to the other SIB credit cards, the SIB-OneCard Credit Card is 100% digital. This premium credit card is metal-based and is fully controllable via the OneCard app. Following are some of the features and benefits of this digital card:

  • SIB-OneCard Credit Card is a Lifetime free credit card for which you need not pay any joining or annual fee. An applicant can enjoy 100% digital customer on-boarding process while applying for the card

  • It is a metal-based premium credit card on the Visa Signature platform that allows instant virtual issuance

  • The SIB-OneCard Credit Card is fully controllable from the OneCard app

  • The SIB-One-Card Credit Card offers minimal Forex fees at just 1%

  • With the SIB-OneCard Credit Card, you can avail instant issuance of Reward Points. You can easily redeem these points within the app

  • SIB-OneCard Credit Cardholders can enjoy contactless payments up to Rs.5,000 daily without a PIN

What is South Indian Bank Credit Card Eligibility?

The following criteria must be fulfilled in order to become eligible for the South Indian Bank Credit Card apply process:

  • Nationality: The applicant must be an Indian resident or a Non-Residing Indian (NRI)

  • Age: The applicant must be minimum 21 years of age while applying for SIB credit cards. The applicant must not be older than 65 years of age when applying for SIB credit card

  • Employment Status: The applicant must be either salaried or self-employed to go ahead with the South Indian Bank credit card application online process.

Documents Required to Apply for South Indian Bank Credit Card

The following documents need to be submitted for South Indian bank credit card apply online:

  1. Address Proof: Documents supporting your residence proof such as passport, driving license, water bill, electricity bill, etc

  2. Identity Proof: Documents supporting your identity proof such as Aadhar card, PAN Card, Passport, etc would be needed

  3. Income Proof: Documents supporting your income such as salary slips, bank statements, ITR, etc need to be uploaded

  4. Passport Size Photos: 2-3 coloured passport size photos to upload on the application form

South Indian Bank Credit Card Fees and Charges

1)      South Indian Bank SimplySAVE -SBI Credit Card Fees

  • Joining Fees: Rs.499

  • Annual Fee: Rs.499

  • Add on fee, per annum: Nil

  • If the cardholder makes transactions of Rs.1,00,000/ in a year, the AMC Charges of Rs.499 will be reversed

2) South Indian Bank- SBI Platinum Card

  • Joining Fees: Rs.2999

  • Annual Fee: Rs.2999

  • Renewal Fee: Rs.2999

  • Add on fee, per annum: Nil

South Indian Bank Credit Card Rewards Program

The SIB credit card comes with a host of rewards and benefits that you can avail by transacting with your SIB card. With the SimplySAVE -SBI Credit Card, you can earn 1 reward point on each Rs.100 that you spend using the credit card. In case of the Platinum credit card, the cardholder can avail 2 reward points on every Rs.100 that you spend using the card. You can redeem your SIB credit card reward points on the OneCard app. Just go to the OneRewards section. Select ‘Use Points’ and choose the transaction or cash credit on which you want to use your points for. 

How to Reach South Indian Bank Credit Card Customer Care?

The South Indian Bank credit card customer care center is 24x7 available to help out its customers with any bank-related queries. You can mail them at customercare@sib.co.in for assistance. You can also reach out to the customer care executive by calling on the following toll-free numbers:

  • 1800 425 1809 

  • 1800 102 9408

If you are a non-resident Indian, you can reach out to SIB customer care at 91 - 484 – 2388555.

How to Apply for South Indian Bank Credit Card?

The South Indian Bank credit cards are currently not available on the Bajaj MARKETS website. However, you can reach out to the South India Bank’s executive at your nearest branch to apply for credit card. You can also opt for South Indian Bank Credit Card apply online by following these steps:

  • Visit www.southindianbank.com

  • Follow the path: Personal banking > Value Added Services > Credit Card

  • Choose from the credit card option you wish to apply for

  • Enter information about your personal details, professional details, and current residential address and proceed to apply

FAQs About South Indian Bank Credit Cards

  • ✔️How can I get a credit card from South Indian Bank?

    Visit the nearest South Indian Bank branch or follow the process of South Indian bank credit card apply online to avail a SIB credit card. However, make sure you fulfill all the eligibility criteria before starting with your South Indian Bank Credit Card apply procedure. Visit the SIB official website or call on toll-free number 1800 425 1809/1800 102 9408 to know more.

  • ✔️Which credit card is best in South Indian Bank?

    South Indian bank offers co-branded credit cards in association with SBI cards. The best South Indian bank credit cards are South Indian Bank SimplySAVE -SBI Credit Card and South Indian Bank- SBI Platinum Card. Both these SIB credit cards come with a host of features and rewards that will suit all your shopping and travel needs. You can also opt for South Indian bank’s 100% digital card which is the SIB-OneCard Credit Card. To explore more about various credit cards and the host of different benefits they offer, visit Bajaj MARKETS and apply for a credit card today!

  • ✔️What is the minimum credit score for a South Indian Bank credit card?

    The minimum credit score for a SIB credit card is decided by the bank based on a number of factors. This includes your eligibility, monthly income, debt to income ratio, and more. The credit score limit may also depend upon the type of credit card and its respective features and benefits offered.

  • ✔️Is the South Indian Bank credit card good?

    South Indian Bank credit card offers a number of privileges to cardholders. With a minimal joining and annual fee, you can enjoy several rewards on every transaction that you make with your SIB credit card. The South Indian Bank credit card offers discounts on travel, hotel reservations, dining, and waivers on fuel surcharges. To know more about credit cards offering amazing lifestyle and travel benefits, explore Bajaj MARKETS now!

  • ✔️Can I apply for South Indian Bank credit card online?

    The South Indian Bank Credit card is currently not available at Bajaj MARKETS. However, you can visit the South Indian Bank’s official website at www.southindianbank.com for South Indian bank credit card apply online.  Once you reach the official website, follow the path Personal Banking > Value Added Services > Credit Cards. Select the type of credit card you wish to avail and click on ‘Apply Now’. If you meet the eligibility criteria and upload all the necessary documents, you can proceed with your credit card SIB application.

  • ✔️Can I change my South Indian Bank credit card type?

    South Indian Bank offers two types of credit cards. They are South Indian Bank SimplySAVE -SBI Credit Card and South Indian Bank- SBI Platinum Card. A major difference between these two cards is the credit limit. While the SimplySAVE -SBI Credit Card has a credit limit up to Rs.5,00,000, the credit limit for Platinum Card is up to Rs.10,00,000. If you wish to switch between these cards, you can get in touch with the bank’s executive at your nearest branch or call on the toll-free customer numbers 1800 425 1809/1800 102 9408 for further details.

  • ✔️What is the easiest South Indian Bank card to get?

    The easiest South Indian Bank Credit Cards to apply are South Indian Bank SimplySAVE -SBI Credit Card and South Indian Bank- SBI Platinum Card. Both the credit cards are co-branded types of credit cards with SBI. You can easily apply for any of these SIB credit cards online on the South Indian Bank website. Alternatively, you can also visit your nearest South Indian Bank to apply for a credit card. The SIB One-Card Credit Card is another great option. It is a lifetime-free digital credit card that offers instant virtual card issuance.

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