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South Indian BankFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 reward points per ₹100 spent
Points can be redeemed for vouchers, merchandise or statement credit at a value of ₹0.25 per point. Points remain valid as long as the card is active and are cleared after 36 months of inactivity.
The privileges that come bundled in, beyond the reward points.
Fuel surcharge waiver up to ₹500 per month
Dining discounts up to 10% at partner restaurants
Movie ticket discounts up to 15%
Reward points on all spends
Contactless payments
An honest read on where this card earns its keep — and where it doesn't.
Low annual fee
Fuel surcharge waiver
Reward points on all spends
No lounge access
Redemption limited to vouchers
Spend waiver required for fee waiver
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with South Indian Bank before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of South Indian Bank are often approved on slightly lower scores.
Everything you need to know about South Indian Bank Classic Credit Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for South Indian Bank Classic Credit Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for South Indian Bank Classic Credit Card from South Indian Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
South Indian Bank Classic Credit Card is designed to reward everyday spends. It currently features: "2,000 reward points on spends of ₹5,000 within 30 days of card activation (as per product page)". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via South Indian Bank's rewards portal.
South Indian Bank Classic Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.
You can apply for South Indian Bank Classic Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
