South Indian Bank OneCard – Contactless Credit Card

South Indian Bank OneCard Credit Card offers numerous benefits, such as reward points, EMI options, secure transactions, low forex markup fee and much more. Below mentioned are some of the key features and benefits of this credit card:

Up to 5X Reward Points

Reward Points: Up to 5X reward points on select spends as per the below details:

• 1 reward point on every Rs. 50 spent*
• 5X reward points on top 2 spend categories in a month
• Redeem earned reward points without any charges
• No expiry date for reward points

*Fractional reward points will be credited for purchases below Rs. 50.

Other Benefits

Apart from the reward points, this credit card also offers the below benefits:

• Receive virtual credit card on OneCard mobile app instantly after getting approved for it
• Low forex mark-up fee of 1%
• Convert your purchases into EMIs and earn reward points on EMI transactions or repay EMIs with reward points
• Bonus reward points on referring friends and family (Maximum of 10 referrals in any calendar month, and a maximum of 100 referrals in a calendar year)

Also look: Best Entry-level Credit Cards

The fees and charges associated with South Indian Bank OneCard Credit Card are mentioned in the table below:

Type of Fee or Charge	Amount
Joining Fee	Nil
Annual/ Renewal Fee	Nil
Interest-free Period	48 days
Finance Charges	2.5% to 3.5% p.m. (30% to 42% p.a.)
Over Limit Fee	2.5% of the over limit amount
Late Payment Charges	2.5% of total amount due (Max. Rs. 1,000)

The applicant must fulfill the below-mentioned eligibility to apply for this credit card:

Particulars	Details
Occupation	Salaried or Self-employed
Minimum Age Requirement	18 years
Documents Required	Age Proof, Address Proof, Income Proof (if any)

Suggested read: Top OneCard Credit Cards

South Indian Bank OneCard Credit Card is an entry-level credit card that offers basic benefits, such as reward points, EMI options and more to its users. This credit card lets you earn reward points on your purchases and later redeem them without any charges. However, the rewards rate offered on this credit card is much low as compared to the other rewards credit cards available in the market. This credit card is a great option for people who are new to credit and want to avail basic benefits. However, people, who want to avail decent rewards rate and other benefits, can look for other credit cards available in the market.

If you are looking for other credit cards that offer benefits similar to the South Indian Bank OneCard Credit Card, you can refer to the cards mentioned in the table below:

Credit Card	Annual Fee	Key Features
South Indian Bank OneCard Credit Card	Nil	5X reward points on top 2 spend categories
Paisabazaar StepUp Credit Card	Nil (Rs. 200 joining fee applicable on an FD of Rs. 2,000)	1 reward point for every Rs. 100 spent
Slice Super Credit Card	Nil	2% cashback on every transaction
SBM Bank OneCard Lite Credit Card	Nil	5X reward points on top 2 spend categories
Axis Ace Credit Card	Rs. 499	5% cashback on bill payment, DTH and mobile recharge*

*Terms and conditions applicable.

Q. How can I apply for South Indian Bank OneCard Credit Card?

A. You can apply for South Indian Bank OneCard Credit Card via both online and offline modes. To apply online, you can visit the official website of OneCard or South Indian Bank. Additionally, you can also apply online through the mobile app of OneCard. People, who want to apply offline, can visit the nearest branch of the bank to proceed with the application.

Q. What is the validity of reward points on this credit card?

A. The reward points offered on this credit card come with no validity. The reward points are valid for the lifetime and you can also redeem them without any rewards redemption fee.

Q. How can I track the status of my credit card application?

A. South Indian Bank OneCard Credit Card is an instant credit card as it is issued instantly after approval. However, for tracking, the courier reference number will be intimated through SMS for tracking delivery of physical card. Till then, you can track the status through OneCard mobile app.

Q. Can I withdraw money using this credit card?

A. Yes, you can withdraw money using this credit card through any ATM. However, the bank will charge a cash advance fee of 2.5% of the withdrawn amount (minimum of Rs. 300) on your credit card. Therefore, it is advisable not to withdraw money through a credit card as it can impact your credit score.

Q. How can I activate the South Indian Bank OneCard Credit Card?

A. You can activate this credit card through the mobile app of OneCard. The cardholder has to scan the QR code received along with the welcome kit through the OneCard mobile app. After scanning the QR code, you will be redirected to the activation process.

Q. Is this a contactless credit card?

A. Yes, this is a contactless credit card which means you can tap your card at a terminal to pay for transactions of up to Rs. 5,000 without using your PIN. Currently, this limit is applicable only in India and on those terminals which accept contactless payments.

Q. What is the minimum credit score required to apply for this credit card?

A. There is no minimum credit score required to apply for this credit card. People, who are new to credit, can apply for this credit card and avail all the benefits.