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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 on all spends, 5 reward points per ₹100 on online & travel spends
Points redeemable for statement credit, vouchers, merchandise; 1 point = ₹0.25 typical redemption. No cap on earnings.
The privileges that come bundled in, beyond the reward points.
Fuel surcharge waiver up to ₹500 per month
Dining offers at partner restaurants
Airport lounge access (Domestic)
Travel insurance cover up to ₹5 lakh
Complimentary e‑vouchers on select merchants
An honest read on where this card earns its keep — and where it doesn't.
High reward points on online spends
Fuel surcharge waiver
Reasonable annual fee with waiver
Annual fee if spend waiver not met
Limited lounge access
Reward points expiry after 36 months
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 Platinum Credit Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for South Indian Bank Platinum 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 Platinum 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 Platinum Credit Card is designed to reward everyday spends. It currently features: "5,000 reward points on spends of ₹50,000 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.
Yes, South Indian Bank Platinum Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.
You can apply for South Indian Bank Platinum 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.
