Joining Fee:
FREE
Return Percentage:2% to 4%
Credit Card Overview
A co-branded OneCard variant with South Indian Bank, featuring metal design, lifetime-free usage, instant issuance, and cashback flexibility across digital-first categories.
Best Suited For: Cashback
South Indian
Fees and charges at a glance
- Annual fee
- Free
- Joining fee
- Free
- Reward rate
- 2% to 4%
- Forex markup
- 1%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Nothing to pay each year
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
South Indian One Card credit card — Earn Categories
Everyday rate
- Base Rewards1 Reward Point (reward points) / ₹50
2 more earning categories on this card
We track all 3 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Wallets
- Fuel
- Utilities
- Rent
- Jewellery