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SIB One Co-Branded Credit Card – Benefits, Fees & Eligibility

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Is the SIB One Co-Branded Credit Card Right for You?

A quick look at who this card is best for, key costs, and things to consider.

The SIB One Co-Branded Credit Card is best suited for users who prioritize Shopping, Dining, Travel. With a joining fee of Nil and a renewal fee of Nil, this card offers free entry for new applicants. It offers Reward Points as its primary reward mechanism, with a rewards rate of Instant issuance of Reward Points. Specific rates not detailed..

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Last updated: October 12, 2025

Key Card Details

Joining Fee

Nil

Renewal Fee

Nil

Reward Type

Reward Points

Foreign Currency Markup

1%, among the lowest in the market.

Notable Perks

Domestic Lounge

Not Applicable

International Lounge

Not Applicable

Insurance

Not Applicable

Fee Waiver

Not Applicable (Card is lifetime-free)

Movie Benefits

Not Applicable

Golf

Not Applicable

Things to Consider

The SIB One Credit Card does not specify particular reward rates for spending categories.

No explicit mention of complimentary airport lounge access, domestic or international.

Specific benefits for movie, golf, or insurance are not detailed for the SIB One Card.

Last updated: 12 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Instant issuance of Reward Points. Specific rates not detailed.

Reward Type

Reward Points

Reward Redemption

Easy redemption of Reward Points within the OneCard app.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Exclusive offers and discounts on dining.

Travel Benefits

Exclusive offers and discounts on travel.

What matters, explained clearly

Detailed evaluation to help you make the right decision

SIB One Co-Branded Credit Card

Introduction

The SIB One Co-Branded Credit Card, offered by South Indian Bank in partnership with M/s One Consumer Services Private Limited, is a 100% digital credit card designed for convenience and security. This premium metal-based card operates on the Visa Signature platform and offers a next-generation experience, fully controllable via the OneCard app. It features instant virtual card issuance and an attractive reward points system, providing a world of possibilities for its users. The partnership between South Indian Bank and M/s One Consumer Services Private Limited is a revenue-sharing co-branding arrangement.

Fees

  • Joining Fee: Zero
  • Annual Fee: Zero (Lifetime-free credit card)
  • Foreign Currency Markup: 1%, among the lowest in the market.

Rewards

  • Instant issuance of Reward Points.
  • Easy redemption of Reward Points within the OneCard app.
  • Exclusive offers and discounts on shopping, dining, travel, and more.

Rewards Redemption Guide

  • Reward Points can be easily redeemed within the OneCard app.

Important Product Details

  • Lifetime-free Credit Card with zero joining and annual fees.
  • Premium metal-based card on the Visa Signature platform.
  • 100% digital customer onboarding process.
  • Instant virtual card issuance.
  • Fully controllable from the OneCard app.
  • Among the lowest Forex fees in the market at just 1%.
  • Easy management of EMIs from the EMI Dashboard in the app.
  • Instant issuance of Reward Points and easy redemption within the app.
  • Ability to make contactless payments of up to Rs. 5,000 per day without PIN at NFC PoS terminals.
  • Take advantage of special offers and discounts on shopping, dining, travel and more.

Other Details

  • Card Platform: Visa Signature.
  • Partnership: Co-branded credit card issued with M/s One Consumer Services Pvt Ltd, based on a revenue-sharing arrangement.
  • Digital Control: The card is fully controllable via the OneCard app, including EMI management and reward point redemption.
  • Contactless Payments: Supports NFC PoS terminals for contactless payments up to Rs. 5,000 per day without requiring a PIN.
  • Documentation Links:
    • General Terms & Conditions
    • Most Important Terms and Conditions (MITC) in English, Malayalam, Tamil & Telugu
    • EMI Terms & Conditions
    • Key Fact Statement (KFS)
    • Details of Collection Agents
    • Frequently Asked Questions (FAQ)
  • Grievance Redressal:
  • Card Closure Request / Blocking:
  • Address Update:
    • Online Portal: Update Address - Click Here
  • Secured Card Option: Information available for a Secured SIB One Co-Branded Credit Card.

Frequently Asked Questions

Clear, concise answers to help you understand this card better.
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