Overview of South Indian Bank OneCard Credit Card

Do you know that the South Indian Bank OneCard Credit Card offers an interest-free grace period of up to 48 days? You can avoid paying additional interest and late fees on your outstanding amount if you pay your bill within this period.

Before you apply for this card to enjoy the interest-free period, check out the benefits, application process, fees and charges of this card here.

South Indian Bank OneCard Credit Card Benefits

OneCard Credit Card by South Indian Bank is a secured credit card against a fixed deposit.

Check out other features of this card here:

• You do not need a CIBIL score to apply for this card.
• The card offers a credit limit equal to 100% of the fixed deposit amount.
• You do not need to undergo a physical application process, as it is entirely digital.
• As a cardholder, you can track your card using a Smart app.
• The card offers a low forex fee of 1%.
• You can enjoy contactless payments of up to ₹5,000 without a PIN.
• The card offers reward points on transactions made with it.
• You can get a 1% fuel surcharge waiver up to ₹400 per month.

South Indian Bank OneCard Credit Card Online Application Process

Applying for a South Indian Bank OneCard Credit Card is seamless using the SIB Mirror and application. You need to log in and look for the credit card section. Follow the steps below for the detailed application process:

Step 1: Navigate to the ‘Apply New Secured Credit Card’ section.

Step 2: Choose the fixed deposit against which you want the card. Notably, if you do not have existing fixed deposits, you can book one before selecting.

Step 3: Enter the required limit between ₹20,000 and ₹15,00,000, then confirm.

Step 4: Click on ‘Get SIB One Co-branded Credit Card’ and download the OneCard app.

Step 5: Complete the onboarding process to apply for the card.

You can add your card to the Pice app to track your outstanding balance and bills after you receive it!

Eligibility Criteria to Get South Indian Bank OneCard Credit Card 

The South Indian Bank OneCard credit card eligibility criteria that you must fulfil are as follows:

1. SIB One co-branded Credit Card holders with active and good-standing accounts can apply for add-on cards for family members.
2. A maximum of 5 add-on cards can be availed by the primary cardholder.
3. Add-on cards can be issued only to individuals aged 18 years and above.
4. Applicants for add-on cards must provide the following documents:

• PAN Card
• Bank Account details

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South Indian Bank OneCard Credit Card Charges

OneCard Credit Card by South Indian Bank does not charge any joining or annual membership fee for primary or add-on cardholders. However, there are other charges that the card attracts as follows:

South Indian Bank OneCard Credit Card Late Payment Fees

You do not need to pay any late payment fees on the South Indian Bank OneCard Credit Card up to an outstanding amount of ₹250. However, here are the late payment fees for higher outstanding amounts:

Conclusion

South Indian Bank OneCard Credit Card allows you to select the credit limit up to 100% of your fixed deposit amount, with a maximum of ₹15 lakh. Nevertheless, you need to ensure that you do not overspend using the card to avoid additional charges.

Ensure you pay the bill on or before the due date to avoid additional interest and late payment fees. To track your billing date and outstanding amount, you can use the Pice app.Download the Pice app now to avoid missing credit card bill payments!

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