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South Indian Bank
SIB One Co-Branded Credit Card
Visa
SIB One Co-Branded Credit Card
South Indian Bank's unsecured, income-based OneCard is a standard-issue lifetime-free metal card run through the OneCard app, distinct from the bank's FD-backed Secured SIB One card. It suits digitally comfortable customers who want app-controlled category rewards without an annual fee.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 5x reward points on the cardholder's top 2 chosen spend categories, controlled through the OneCard app.
- 100% digital, metal-look OneCard with app-based limit and spend management.
Pros
- + Genuinely lifetime free with no joining or annual fee
- + App-controlled 5x rewards on two chosen categories
- + Fully digital application and card management
Cons
- − No lounge access or travel perks
- − Needs regular income documentation, unlike the secured variant
- − Reward point value is modest for large redemptions