All cards / South Indian Bank
South Indian Bank
SIB Visa Gold Credit Card
Visa
SIB Visa Gold Credit Card
South Indian Bank's own-brand Visa Gold card, distinct from its SBI co-branded Prime/Platinum/SimplySave products, aimed at everyday retail spenders.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
0.75%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries, fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- 🛒 Groceries
1% reward rate
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
Pros
- + Wider Visa acceptance than RuPay-only cards
- + Modest grocery rewards
- + Fuel surcharge waiver
Cons
- − Fee is higher than the bank's own RuPay entry card
- − No lounge access
- − Reward rate is unremarkable relative to national banks