All cards / South Indian Bank
SIB SimplySAVE SBI
A co-branded SIB-SBI entry-level card with category bonuses on dining and online — accessible to new cardholders.
Rates and fees last verified 19 July 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.25%
Card network
Visa
Card tier
Entry
Reward rates by category
- Dining2.5%
- Online shopping2.5%
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 2,000 points on ₹2,000 spend within 60 days of activation
Pros
- + Low joining fee
- + Easy approval bar
- + Welcome bonus
- + 10X rewards on partner merchants
Cons
- − Annual fee applies from year 2
- − Modest reward caps (10,000 pts/month max)
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.