South Indian Bank Secured SIB One Co-Branded Credit Card
South Indian Bank
Annual / renewal fee
₹0 (zero annual fee; lifetime-free card).
VerifiedSecured SIB One Co-Branded Credit Card product page1 Aug 2026, 11:45 PM ISTSouth Indian Bank
Earn rate
- 1 Reward Point on every purchase of ₹50.
- For purchases below ₹50 fractional points are credited (e.g. ₹25 recharge = 0.5 points).
- Bonus 5X rewards on the top 2 spend categories in a month (requires purchases across at least 3 categories; w.e.f. Jan 6, 2025 a minimum spend of ₹750 in each of 3 categories is needed to qualify).
- 5X points credited on the 10th of the subsequent month.
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This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at southindianbank.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at southindianbank.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Secured SIB One Co-Branded Credit Card by South Indian Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹0 (zero joining fee; lifetime-free card).
VerifiedSecured SIB One Co-Branded Credit Card product page1 Aug 2026, 11:45 PM ISTSouth Indian Bank
Annual / renewal fee
₹0 (zero annual fee; lifetime-free card).
VerifiedSecured SIB One Co-Branded Credit Card product page1 Aug 2026, 11:45 PM ISTSouth Indian Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
- 1 Reward Point on every purchase of ₹50.
- For purchases below ₹50 fractional points are credited (e.g. ₹25 recharge = 0.5 points).
- Bonus 5X rewards on the top 2 spend categories in a month (requires purchases across at least 3 categories; w.e.f. Jan 6, 2025 a minimum spend of ₹750 in each of 3 categories is needed to qualify).
- 5X points credited on the 10th of the subsequent month.
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Redemption value
- No fee is levied to redeem reward points.
- Points can be redeemed via 'Pay with Points' (against transactions less than two months old) or for other offers/benefits in the App.
- Reward points do not expire and have lifetime validity, except: nullified if the card is not used for more than 365 days.
- Forfeited on card member's death, and on closure/termination of card membership.
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Reward cap
For categories such as Education, Bills & Utilities, and Insurance (as defined by MCCs), if eligible for 5X rewards, incremental rewards are offered only subject to the total rewards under these categories not exceeding 25,000 points (w.e.f. January 6, 2025).
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Reward exclusion
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Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Travel benefit
Card is an internationally valid credit card accepted worldwide at Merchant Establishments accepting Visa cards, except for payment in foreign exchange at Merchant Establishments in Nepal and Bhutan.
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Referral programme: 2,500 bonus reward points for every new user who joins SIB One co-branded Credit Card through your referral link and successfully activates their virtual card (threshold: successful card activation by referred user; window: referral link valid 30 days).
- Max 10 referrals per calendar month and 100 per calendar year.
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Eligibility
Eligibility
- Card is issued against a fixed deposit.
- A lien is marked on the deposit held with South Indian Bank for issuance of the linked credit card.
- On maturity the deposit auto-renews for the original tenor while the card is live.
- Add-on cards: restricted to 5, only for individuals above 18 years of age, who must have a PAN Card and a Bank Account.
VerifiedTerms & Conditions – Secured SIB One Co-Branded Credit Card1 Aug 2026, 11:45 PM ISTSouth Indian Bank
Charges & interest
Forex markup
- Forex mark-up fee is levied on international/foreign-currency transactions.
- Non-INR transactions are converted via US Dollars at the rate provided by VISA on the settlement date.
- A forex mark-up fee is also levied on INR transactions done at a merchant or payment gateway based outside India.
- Product page states forex fee of 1%.
VerifiedSecured SIB One Co-Branded Credit Card product page1 Aug 2026, 11:45 PM ISTSouth Indian Bank
Charge
- Rent payments on third-party apps/merchants: Transaction Fee of 1% over and above the merchant's convenience fee.
- Rent paid through the App: Convenience Fee up to 2% (no Transaction Fee), displayed at time of transaction.
- Fund transfers to third-party wallets or bank accounts: 1% on cumulative monthly transfers of ₹10,000 and above (w.e.f. 20 September, 2023).
- Card cancellation within 6 months of activating the virtual card: ₹3,000.
- Cash withdrawals attract a transaction fee plus a service charge (average daily outstanding basis).
- These are non-refundable.
- Additional charge levied on amount exceeding the credit limit.
- GST/statutory taxes applicable.
- Charges per MITC (Clause A).
- Changes made only with 30 days prior notice.
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Fuel surcharge waiver
- Fuel surcharge waiver: lowest of 1% of the transaction amount or actual surcharge levied (excluding GST).
- Maximum fuel surcharge waiver capped at ₹400 per calendar month per account.
- Reward Points will not be accrued on fuel transactions.
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Interest-free period
- Minimum Amount Due (MAD) is 5% of the outstanding amount or ₹100 (whichever is greater), plus previous unpaid MAD, plus any amount exceeding the credit limit, plus entire EMI instalments due.
- If Total Amount Due is less than ₹100, MAD equals the Total Amount Due i.e. ₹100.
- Payment must be made before the Payment Due Date to avoid Late Payment Charges.
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Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Secured SIB One Co-Branded Credit Card?
Officially traced: Rs. 0 (zero annual fee.
Secured SIB One Co-Branded Credit Card product pageWhat is the joining fee on the Secured SIB One Co-Branded Credit Card?
Officially traced: Rs. 0 (zero joining fee.
Secured SIB One Co-Branded Credit Card product pageHow does the Secured SIB One Co-Branded Credit Card earn rewards?
1 Reward Point on every purchase of Rs. 50; for purchases below Rs. 50 fractional points are credited (e.g.
harvested from product pageWhat welcome benefit does the Secured SIB One Co-Branded Credit Card offer?
Referral programme: 2,500 bonus reward points for every new user who joins SIB One co-branded Credit Card through your referral link and successfully activates their virtual card (threshold: successful card activation by referred user.
harvested from product pageWhat are the transfer ratios for Secured SIB One Co-Branded Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-01 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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