South Indian Bank Credit Cards
South Indian Bank - Credit Cards
5
₹1,299
Secured SIB One Co-Branded Credit Card
Reward Points
About This Bank
About South Indian Bank
South Indian Bank is a private-sector bank founded in 1929 and headquartered in Thrissur, Kerala, with a substantial NRI customer base drawn from Kerala's expatriate community. Its credit card portfolio splits into two tracks: SIB's own co-branded SIB One cards (including a fixed-deposit-backed secured variant for applicants without formal income proof), and a separate range co-branded with SBI Card (SimplySAVE, Platinum, PRIME) for customers who prefer SBI Card's broader reward ecosystem. Several cards carry preferential terms for NRI applicants.
SIB's Card Lineup Compared
| Card | Annual Fee | Issued By | Best For |
|---|---|---|---|
| SIB One Co-Branded | Nil | South Indian Bank directly | Free, no ongoing cost |
| Secured SIB One Co-Branded | Nil | South Indian Bank directly | Building credit without income proof |
| SIB SimplySAVE SBI Card | ₹499 + GST | SBI Card | Entry-level SBI ecosystem access |
| SIB SBI Card PRIME | ₹2,999 + GST | SBI Card | Balanced mid-tier SBI rewards |
| SIB SBI Platinum | ₹2,999 + GST | SBI Card | Alternative SBI mid-tier option |
Card-by-Card Breakdown
SIB One Co-Branded is SIB's own flagship product - genuinely free with no joining or renewal fee, issued and managed directly by South Indian Bank rather than a partner.
Secured SIB One Co-Branded mirrors the standard SIB One but is issued against a fixed deposit, making it accessible to applicants who can't clear a regular income-based eligibility check - useful for NRIs without a domestic income history or first-time cardholders.
SIB SimplySAVE SBI Card is the lowest-cost entry point into SBI Card's ecosystem at ₹499, while SIB SBI Card PRIME and SIB SBI Platinum both cost ₹2,999 - essentially interchangeable in fee, differing mainly in specific benefit emphasis rather than price.
Applying for a South Indian Bank Credit Card
NRI applicants should specifically ask about SIB's preferential servicing terms, given the bank's strong presence among Kerala's expatriate community. Domestic applicants need standard KYC and income proof for the SBI co-branded range; the SIB One secured card instead requires opening a qualifying fixed deposit, with the credit limit set as a percentage of that deposit.
Explore the full card portfolio below to find the right card for your spending profile.
Featured South Indian Bank Cards
SIB One Co-Branded Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Reward Type:
Reward Points
Secured SIB One Co-Branded Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Reward Type:
Reward Points
South Indian Bank SBI Card PRIME
Joining Fee:
₹2,999 + GST
Renewal Fee:
₹2,999 + GST
Reward Type:
Reward Points
South Indian Bank SBI Platinum Credit Card
Joining Fee:
₹2,999 + GST
Renewal Fee:
₹2,999 + GST
Reward Type:
Reward Points
South Indian Bank SimplySAVE SBI Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points
Eligibility Guide
₹3 lakh p.a.
700+
21-60 years
Eligibility
- Age: 21-60 years
- Income: Varies by card variant
- Credit Score: 700+ recommended
- Residency: Indian resident
Check individual card pages for precise eligibility criteria.
All South Indian Bank Credit Cards
Browse & filter all South Indian Bank cards →Secured SIB One Co-Branded Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Reward Type:
Reward Points
SIB One Co-Branded Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Reward Type:
Reward Points
South Indian Bank SBI Card PRIME
Joining Fee:
₹2,999 + GST
Renewal Fee:
₹2,999 + GST
Reward Type:
Reward Points
South Indian Bank SBI Platinum Credit Card
Joining Fee:
₹2,999 + GST
Renewal Fee:
₹2,999 + GST
Reward Type:
Reward Points
South Indian Bank SimplySAVE SBI Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points