Secured SIB One Co-Branded Credit Card (OneCard)

South Indian Bank · Lifetime free

A deposit-backed version of the OneCard co-branded card.

What the bank says

• Lifetime free, with no annual fee
• The full amount you deposit is offered as your credit limit
• Forex markup of 1%
• Reward points redeemed in the app

Things that catch people out

• The page does not give the earn rate or what a point is worth, so the card is listed with its facts and not ranked.

Joining fee: ₹0. Foreign currency markup: 1%.

The facts

• Annual fee: none, free forever
• Fee waived at: no fee to waive
• Domestic lounge visits: not published
• Minimum income: not published

Read from South Indian Bank’s own page on 2026-10-06.

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