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South Indian Bank Credit Card Documents & Eligibility in India

South Indian Bank provides a diverse range of loan schemes to its clients. South Indian Bank is a credit market player with attractive interest rates on loans and credit cards. Customers can take advantage of a variety of incentives on credit cards designed just for them by South Indian Bank.

South Indian Bank Credit Cards Eligibility Criteria


21 to 65 years old

Salary Eligibility

At least Rs. 18,000 each month

Job Status

Salaried or Self-Employed

Interest Free Duration

Around 55 days

ATM Fund Withdrawal Fee

2.0 percent of value withdrawn or Rs. 300

Those interested in applying must meet the following SIB credit card eligibility requirements:

  • Age Eligibility

To apply for a South Indian Bank credit card, you must be under the bank's age limit. The applicant must be at least 21 years old and no more than 65 years old. Anyone under the age of 18 is eligible to apply for credit card from South Indian Bank. Add-on credit card holders must be at least 18 years old.

  • Salary Eligibility

To apply for a South Indian Bank credit card, you must have a steady source of income. The South Indian credit card eligibility requirements vary depending on the card's features and specs. You can receive a credit card from South Indian Bank if you have a fixed deposit and a monthly income of Rs. 18,000 or more. Depending on the card's specifications and features, the minimum income needed may vary.


To obtain a credit card from South Indian Bank, the customer must demonstrate proof of a consistent source of income. You can work as a salaried employee for a well-known corporation or as a self-employed professional running your own company.

Factors Affecting SIB Credit Card Eligibility Criteria

When applying for a South Indian Bank credit card, the applicant must check the following aspects.

  • Applicant's Earnings

When applying for a credit card, your salary is quite significant. This shows the bank that you'll be able to make your credit card bill payment.

  • Applicant's Age

Using a credit card entails a significant amount of responsibility. Only after a specific number of years does an individual have a reliable source of income. As a result, banks are confident in their age requirements for issuing a credit card because they expect prompt payment every month.

  • Applicant's Credit History

A person's credit history is a clear indication of how he or she manages his or her credit-related actions. The lender prefers to issue a credit card to someone who has a strong credit history.

  • Applicant's Nationality

The applicant must be an Indian citizen or a Non-Resident Indian.

How to Improve South Indian Credit Card Eligibility?

Here's how you can improve SIB Credit Card eligibility:

  • Credit rating

Your credit score, which keeps track of credit records, is a measurement of your creditworthiness. You must have a credit score of at least 750 to be eligible for a South Indian Bank Credit Card. You will be eligible for a credit card with a greater credit limit if your credit score is higher and closer to 900. Always keep in mind that the greater the number, the better.


If you have a good credit history, that is, if you have paid your loans and debts on time, including credit card payments, you may be able to raise your score. This could result in increased SIB credit card eligibility. You can also use our smart financial health check tool to check your CIBIL score for free.

  • Debts already owed

The amount of debt you have in your portfolio is another aspect that impacts your creditworthiness. Even if you pay your bills on time, your income is taken into account in order to determine your creditworthiness. This means that if you have current debts and have a good capacity to repay them after paying them off, your SIB credit card eligibility may be increased. However, if paying off current debts leaves you with little to no disposable income, your creditworthiness will suffer.


If you have current debts, here's how you might increase your South Indian credit card eligibility:

  • Make on-time payments on your existing bills.

Make sure you pay your payments on schedule. This includes not just your loans and debts, but also your phone, energy, and other utility bills. Never let your credit card limit get to the point of depletion. Don't go overboard with your purchases just because you've set a budget. Make a budget for your expenses that aren't covered by your credit card.


Maintaining a low balance on your revolving credit instruments is always a good idea. This contains credit cards that are currently in use. Now is the time to be economical so that you can have a higher credit limit afterwards.

  • Examine your financial portfolio to make sure you have a good mix of secured and unsecured credit.

All of these habits will help you improve your creditworthiness over time there are no quick solutions when it comes to credit scores. They will raise your credit score, increasing your creditworthiness and allowing you to obtain a greater credit card limit.

South Indian Credit Card Documents Requirement

You must submit the following SIB credit card documents:

  • Proof of address

  • Proof of your identity

  • Proof of Income

  • PAN Card/Bank Statement/Pay Slip/Income Tax Return

  • Passport-size photographs


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs Related to South Indian Bank Credit Card Eligibility

What is the eligibility for a South Indian Credit Card?

The following factors are taken into account when applying for a South Indian Bank credit card: the applicant's age, income, credit score, and credit history.

What are the minimum requirements for a South Indian credit card?

An SIB credit card is only available to people who are at least 21 years old.

What are the documents required for a South Indian Credit Card?

The following documentation are required to prove or validate SIB credit card eligibility:

  • Identity Verification

  • Proof of Address

  • Proof of Income

  • Statement of Accounts

  • PAN card

  • Photograph of Passport Size

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