SIB Credit Card - South Indian Bank Credit Card

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.

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 Bank 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.

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:

• South Indian Bank SimplySave SBI Card

• South Indian Bank - SBI Platinum 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. You 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 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 ₹5,000 daily without a PIN

The following criteria must be fulfilled in order to become eligible for the South Indian Bank credit card application process:

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

• Age: You must be at least 21 years of age while applying for SIB credit cards. You must not be older than 65 years of age when applying for an SIB credit card

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

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

• Address Proof: Documents supporting your residence proof such as passport, driving licence, or electricity bill

• Identity Proof: Documents that could help with your identity verification such as Aadhaar card, PAN card, or Passport

• Income Proof: Documents such as salary slips, bank statements, or ITR

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

1) South Indian Bank SimplySAVE -SBI Card Fees

• Joining Fees: ₹499

• Annual Fee: ₹499

• Add on fee, per annum: Nil

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

2) South Indian Bank- SBI Platinum Card

• Joining Fees: ₹2,999

• Annual Fee: ₹2,999

• Renewal Fee: ₹2,999

• Add on fee, per annum: Nil

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 Card, you can earn 1 reward point on each ₹100 that you spend using the credit card. In case of the Platinum credit card, you can avail 2 reward points on every ₹100 spent. 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.

The South Indian Bank credit card customer care centre 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.

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 the nearest branch to apply for a credit card. You can also opt to apply for the South Indian Bank credit card 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