All cards / South Indian Bank
SIB Secured OneCard
A fully digital secured card with zero fees and exceptional forex rates — perfect for travelers without a credit score.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
Visa
Card tier
Entry
Eligibility
- 00
- Employment: salaried, self-employed
- Age: 18–70
Benefits
- 100% digital issuance, metal card, secured against FD with no CIBIL requirement
- Lowest forex markup at 1% (vs typical 2-3.5%)
Pros
- + Zero fees lifetime
- + Lowest forex markup (1%)
- + Instant digital issuance
- + No CIBIL required
Cons
- − Requires FD collateral
- − Minimal reward rate
Applying takes you to South Indian Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.