{"id":82249,"date":"2025-12-03T20:06:08","date_gmt":"2025-12-03T14:36:08","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=82249"},"modified":"2025-12-03T20:06:12","modified_gmt":"2025-12-03T14:36:12","slug":"south-indian-bank-onecard-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/south-indian-bank-onecard-credit-card\/","title":{"rendered":"Overview of South Indian Bank OneCard Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaway<\/strong>s<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fixed deposits back South Indian Bank OneCard Credit Card.<\/li>\n\n\n\n<li>The bank does not require a credit score to approve the card.<\/li>\n\n\n\n<li>You can choose between a plastic and a metal card, whichever you prefer.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>Do you know that the <strong>South Indian Bank OneCard Credit Card <\/strong>offers an interest-free grace period of up to 48 days? You can avoid paying additional interest and late fees on your <a href=\"https:\/\/www.axisbank.com\/progress-with-us-articles\/what-is-outstanding-amount-in-credit-card\" target=\"_blank\" rel=\"noopener\">outstanding amount<\/a> if you pay your bill within this period.<\/p>\n\n\n\n<p>Before you apply for this card to enjoy the <a href=\"https:\/\/fi.money\/guides\/credit-cards\/maximise-your-savings-how-to-utilise-the-interest-free-period-on-your-credit-card\" target=\"_blank\" rel=\"noopener\">interest-free period<\/a>, check out the benefits, application process, fees and charges of this card here.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>South Indian Bank OneCard Credit Card Benefits<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"375\" height=\"313\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/South-Indian-Bank-OneCard-Credit-Card-.png\" alt=\"South Indian Bank OneCard Credit Card \" class=\"wp-image-82483 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/South-Indian-Bank-OneCard-Credit-Card-.png 375w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/South-Indian-Bank-OneCard-Credit-Card--300x250.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/South-Indian-Bank-OneCard-Credit-Card--150x125.png 150w\" sizes=\"auto, (max-width: 375px) 100vw, 375px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p><strong>OneCard Credit Card by South Indian Bank<\/strong> is a secured credit card against a fixed deposit. <\/p>\n<\/div><\/div>\n\n\n\n<p>Check out other features of this card here:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You do not need a CIBIL score to apply for this card.<\/li>\n\n\n\n<li>The card offers a credit limit equal to 100% of the fixed deposit amount.<\/li>\n\n\n\n<li>You do not need to undergo a physical application process, as it is entirely digital.<\/li>\n\n\n\n<li>As a cardholder, you can track your card using a <a href=\"https:\/\/www.virtusa.com\/digital-themes\/smart-apps\" target=\"_blank\" rel=\"noopener\">Smart app.<\/a><\/li>\n\n\n\n<li>The card offers a low forex fee of 1%.<\/li>\n\n\n\n<li>You can enjoy contactless payments of up to \u20b95,000 without a PIN.<\/li>\n\n\n\n<li>The card offers reward points on transactions made with it.<\/li>\n\n\n\n<li>You can get a 1% fuel surcharge waiver up to \u20b9400 per month.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>South Indian Bank OneCard Credit Card Online Application Process<\/strong><\/h2>\n\n\n\n<p>Applying for a <strong>South Indian Bank OneCard Credit Card <\/strong>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:<\/p>\n\n\n\n<p><strong>Step 1: <\/strong>Navigate to the \u2018Apply New Secured Credit Card\u2019 section.<\/p>\n\n\n\n<p><strong>Step 2:<\/strong><strong> <\/strong>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.<\/p>\n\n\n\n<p><strong>Step 3: <\/strong>Enter the required limit between \u20b920,000 and \u20b915,00,000, then confirm.<\/p>\n\n\n\n<p><strong>Step 4: <\/strong>Click on \u2018Get SIB One Co-branded Credit Card\u2019 and download the OneCard app.<\/p>\n\n\n\n<p><strong>Step 5: <\/strong>Complete the onboarding process to <a href=\"https:\/\/www.southindianbank.com\/content\/personal-banking\/secured-sib-onecard-credit-card\/3885\" target=\"_blank\" rel=\"noopener\">apply for the card<\/a>.<\/p>\n\n\n\n<p><em>You can add your card to the Pice app to track your outstanding balance and bills after you receive it!<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Eligibility Criteria to Get South Indian Bank OneCard Credit Card&nbsp;<\/strong><\/h3>\n\n\n\n<p>The <strong>South Indian Bank OneCard credit card eligibility <\/strong>criteria that you must fulfil are as follows:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>SIB One co-branded Credit Card holders with active and good-standing accounts can apply for add-on cards for family members.<\/li>\n\n\n\n<li>A maximum of 5 add-on cards can be availed by the primary cardholder.<\/li>\n\n\n\n<li>Add-on cards can be issued only to individuals aged 18 years and above.<\/li>\n\n\n\n<li>Applicants for add-on cards must provide the following documents:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PAN Card<\/li>\n\n\n\n<li>Bank Account details<\/li>\n<\/ul>\n\n\n\n<p><strong>Explore Other Banks\u2019 Lifetime Free Credit Card Offers<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><a href=\"https:\/\/piceapp.com\/blogs\/best-lifetime-free-credit-cards-in-india\/\">Best Lifetime Free Credit Cards<\/a><\/td><td><a href=\"https:\/\/piceapp.com\/blogs\/sbi-lifetime-free-credit-card\/\">SBI Lifetime Free Credit Card<\/a><\/td><td><a href=\"https:\/\/piceapp.com\/blogs\/icici-lifetime-free-credit-card\/\">ICICI Lifetime Free Credit Card<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>South Indian Bank OneCard Credit Card Charges<\/strong><\/h2>\n\n\n\n<p><strong>OneCard Credit Card by South Indian Bank <\/strong>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:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Issuance Fee<\/td><td>\u20b93,000 for metal cards; nil for plastic cards<\/td><\/tr><tr><td>Card Cancellation Fees (if cancelled within 6 months from the date of virtual <a href=\"https:\/\/piceapp.com\/blogs\/what-if-i-dont-activate-my-credit-card\/\">card activation<\/a>)<\/td><td>Metal Card: \u20b93,000 (primary cardholder); nil (add-on cardholder)Plastic Card: \u20b9500 for both primary and add-on cardholders<\/td><\/tr><tr><td>Overlimit Fee<\/td><td>2.5% of the overlimit amount, subject to a minimum of \u20b9500<\/td><\/tr><tr><td>Rent Transaction Fee<\/td><td>1% for third-party merchants; nil for OneCard in-app rent payment<\/td><\/tr><tr><td>Rent Convenience Fee<\/td><td>2%<\/td><\/tr><tr><td>Transfer Fee\/Wallet Upload Fee (on spending \u20b910,000 or more)<\/td><td>1%<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>Nil for first plastic card; \u20b9145 for second plastic card; \u20b9500 for third plastic card; \u20b93,000 for metal cards<\/td><\/tr><tr><td>Interest Rate<\/td><td>3.75% per month or 45% per year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>South Indian Bank OneCard Credit Card Late Payment Fees<\/strong><\/h3>\n\n\n\n<p>You do not need to pay any late payment fees on the<strong> South Indian Bank OneCard Credit Card <\/strong>up to an outstanding amount of \u20b9250. However, here are the late payment fees for higher outstanding amounts:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Outstanding Amount<\/strong><\/td><td><strong>Late Payment Fees<\/strong><\/td><\/tr><tr><td>\u20b9251 to \u20b91,000<\/td><td>\u20b9250<\/td><\/tr><tr><td>\u20b91,001 to \u20b95,000<\/td><td>\u20b9500<\/td><\/tr><tr><td>\u20b95,001 to \u20b925,000<\/td><td>\u20b91,000<\/td><\/tr><tr><td>\u20b925,001 onwards<\/td><td>\u20b91,250<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p><strong>South Indian Bank OneCard Credit Card<\/strong> allows you to select the credit limit up to 100% of your fixed deposit amount, with a maximum of \u20b915 lakh. Nevertheless, you need to ensure that you do not overspend using the card to avoid additional charges.<\/p>\n\n\n\n<p>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.<em>Download the <\/em><a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\"><em>Pice app<\/em><\/a><em> now to avoid missing credit card bill payments!<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1764759159419\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I convert a transaction on the South Indian Bank OneCard Credit Card into EMI?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can convert your transactions on the SIB OneCard Credit Card into Equated Monthly Installments (EMI). The bank allows you to choose an EMI tenure of 3 to 24 months.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764759177641\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is the South Indian Bank OneCard Credit Card contactless?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>OneCard Credit Card is a contactless card that lets you transact up to \u20b95,000 without a PIN. To enjoy this benefit, you do not exceed the transaction limit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764759187226\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Do reward points on South Indian Bank OneCard Credit Cards expire?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The reward points earned on transactions made with the OneCard Credit Card issued by SIB do not expire. You can track your reward points on the OneCard app at any time.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764759202293\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the minimum credit score required to apply for the South Indian Bank OneCard Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>OneCard Credit Card by SIB does not require a credit score for the application. However, you need to hold fixed deposits with South Indian Bank to apply for this secured card.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764759214710\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I pay my South Indian Bank OneCard Credit Card bill?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can add your OneCard Credit Card to the Pice app to pay your credit card bill. This helps you track your due date and outstanding amount seamlessly.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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, [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":82497,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-82249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82249","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=82249"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82249\/revisions"}],"predecessor-version":[{"id":82496,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82249\/revisions\/82496"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/82497"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=82249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=82249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=82249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}