CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Last updated: 13 September 2026
Free to apply via CardsGuruji · 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 dining & movies
Points can be redeemed for vouchers, gifts or cashback at a typical value of 1 point = ₹0.25. Milestone and welcome offers as on the product page.
The privileges that come bundled in, beyond the reward points.
Fuel surcharge waiver
Dining discounts
Movie ticket discounts
Reward points on all spends
Contactless payments
An honest read on where this card earns its keep — and where it doesn't.
Good reward rate on all spends
Low annual fee with spend waiver
Fuel surcharge waiver
No lounge access
Redemption value of points is modest
Higher APR compared to some peers
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.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how South Indian Bank Signature Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for South Indian Bank Signature Credit Card.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about South Indian Bank Signature Credit Card fees, reward conversion, lounge access, and application eligibility.
South Indian Bank Signature Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "5,000 reward points on spends of ₹50,000 within the first 30 days of card activation (as published)".
South Indian Bank Signature Credit Card earns Reward Points at a primary rate of 2 reward points per ₹100 on all spends, 5 reward points per ₹100 on dining & movies. Specifically, Points can be redeemed for vouchers, gifts or cashback at a typical value of 1 point = ₹0.25. Milestone and welcome offers as on the product page.. Spends in Shopping, Lifestyle, Dining, Fuel categories provide the maximum valueback per transaction on this card.
A CIBIL credit score of 750 or above is strongly recommended for approval of South Indian Bank Signature Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
South Indian Bank Signature Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
South Indian Bank Signature Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
South Indian Bank Signature Credit Card currently features a welcome offer: "5,000 reward points on spends of ₹50,000 within the first 30 days of card activation (as published)". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Good reward rate on all spends and Low annual fee with spend waiver. However, keep in mind that No lounge access and Redemption value of points is modest. Overall, South Indian Bank Signature Credit Card delivers strong value if your regular spending aligns with Shopping, Lifestyle, Dining, Fuel.
South Indian Bank Signature Credit Card is focused on Shopping and Lifestyle and Dining and Fuel valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, South Indian Bank Signature Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel surcharge waiver). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for South Indian Bank Signature Credit Card directly through South Indian Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
