South Indian Bank Ltd. Head Office T.B Road, Mission Quarters, Thrissur 680 001,Kerala, India
Prepaid Card
Make life simpler with South Indian Bank's Reloadable Prepaid Card. Load, spend, and reload anytime, anywhere across India. Whether you're shopping online, paying at stores, or managing corporate expenses, this card offers secure and flexible payments through the RuPay platform. Designed for individuals/retail customers and businesses, it's your go-to solution for convenience and control.
To be eligible for a South Indian Bank Prepaid Card:
Particulars
Charges
Issuance Fee/Replacement Fee
Rs.100/- per card
Reloading Fee
Rs.50/- per card
Encashment Fee
ATM Transaction Fee (SIB ATMs)
Rs.5/- (Balance Enquiry) & Rs.10/- (Cash Withdrawal)
ATM Transaction Fee (Other ATMs)
Rs.8/- (Balance Enquiry) & Rs.20/- (Cash Withdrawal)
Limits
ATM Withdrawals
Daily Limit: Rs.30,000/-; No monthly limit
POS/Online (Retail Customer)
Daily Limit: Rs.1,00,000/-
POS/Online (Corporate Customer)
Daily Limit: Rs.50,000/-
You can apply for a South Indian Bank Prepaid Card by following a few simple steps:
To find your nearest SIB branch, click here
To get answers to the frequently asked queries
Reloadable Prepaid Cards are Prepaid Cards issued with amounts loaded as per customer choice and the same can be replenished (reloaded) as and when required.
Yes, you can withdraw cash using Reloadable Prepaid Cards.
Reloadable Prepaid Cards can be issued to SIB Customers only, who has not availed this facility from Other Banks.
Reloadable Prepaid Cards shall be issued after collecting the necessary KYC Documents viz. Aadhaar/Passport/Driving License/Voter’s ID/PAN of the Prepaid card applicant and the Prepaid card holder(beneficiary) In addition to this, other details of the applicant and the Beneficiary such as mobile number, email id, DOB, address etc..along with a Passport size photograph and duly filled and signed Applications form is to be submitted to the Bank.
The charges for the Reloadable Prepaid cards are as below:
5 for Balance Enquiry
10 for Cash Withdrawal
8 for Balance Enquiry
20 for Cash Withdrawal
Encashment fee is the fee which is being charged when the prepaid card applicant wishes to encash (transfer) the available balance in the Prepaid Card to his/her account maintained with the Bank.
South Indian Bank offer two variants of Reloadable Prepaid cards in RuPay Platform, which are:- CashCard DigiCah
These are Reloadable Prepaid Cards Issued to Retail Customers (dependents/family members). CashCard can be issued to the dependents/family members of fully-KYC compliant customers with a limit of only one card per beneficiary (dependents/family members).
Prepaid CashCard can be loaded up to a maximum amount of Rs 100,000/- The balance in the CashCard should not exceed Rs 100,000/- at any point of time.
The maximum daily cash withdrawal limit from ATM using CashCard is INR 30,000/-. No monthly withdrawal limit. The daily POS/Online Transaction Limit is Rs.100,000/-.
These are Reloadable Prepaid Cards Issued to Corporate Customers. These cards shall be loaded/reloaded only by debit to the KYC complied bank account maintained by the corporate.
Prepaid DigiCash can be loaded up to a maximum amount of Rs 50,000/- The balance in the DigiCash card should not exceed Rs 50,000/- at any point of time.
The maximum daily cash withdrawal limit from ATM using DigiCash is INR 30,000/-. No monthly withdrawal limit. The daily POS/Online Transaction Limit is Rs.50,000/-.
The maximum validity of Reloadable Prepaid Cards is 3 years. The card shall expire on the date printed on the face of the card.
Reloadable Prepaid cards are protected by a 4-digit secret PIN for authorizing ATM and POS transactions. Online transactions are secured by OTP (One Time Password), sent to the Beneficiary mobile number registered in the application form.
The Reloadable Prepaid cards can be used in all NFS ATM’s in India as well as at any Merchant Establishments in India which accepts RuPay Card. Please note that SIB Prepaid card is usable in India only. International purchases and purchases from International sites are restricted.
The SIB Reloadable Prepaid Card is available off-the–shelf at our designated branches.
Yes. You need to have an account with SIB to purchase SIB Reloadable Prepaid Card and the card can be loaded/re-loaded only by debit of an SIB account.
The SIB reloadable Prepaid Card will be activated with the loaded amount within 24 hrs after the bank has received clear funds from the customer. Once activated, the card is ready for use.
The Available Balance on the Reloadable Card can be used by making a purchase with the Card or through ATM withdrawals. Every time you do this, the full amount of the purchase/withdrawal, including taxes and any other fees, gets deducted from the Available Balance.
The beneficiary of the Card needs to sign on the reverse of the Card on receipt of the Card to avoid its unauthorized use.
On loss of the card, please report to South Indian Bank through Toll free Number or to your nearest South Indian Bank branch for hot listing the card. SIB Toll Free Number: 1800 425 1809
In such cases please cut the card into four pieces and hand them over to the nearest South Indian Bank branch.
The beneficiary can visit the SIB designated branches for reloading the card and submit the reload form.
The customer can contact the branch where the card was issued. PIN will be re-generated and a minimum time frame of 5 days is required for new PIN delivery.
The TAT communicated is 24 hours to the customer. Corporate Prepaid Card will be loaded 24 hours after the funds and funding instruction is given by the Corporate/Client.
To apply for a duplicate Card: The applicant and the beneficiary should contact the branch with the original card number. He/she should also furnish his/her identification proof and address proof at the time of applying for a duplicate card from the Branch.
You can use it at any merchant outlet that accepts RuPay cards or for online shopping within India/websites accepting payments with two factor authentication.
It is an elegantly designed envelope containing the card, a PIN (personal identification number) along with a welcome letter with instructions on how to use the card securely. PIN is used for checking your card balances and transactions details online, and for authorizing POS /Ecommerce transactions OTP (One Time Password) is sent to the registered Mobile Number.
The beneficiary can visit the SIB designated branches for reloading the card by submitting the reload form.
FD Laddering Strategy: Maximize Returns with South Indian Bank’s Fixed DepositsRead more
SIB Her Haven: Our Vision to Fuel Women’s Home OwnershipRead more
Beyond Savings: How A Gold Loan Simplifies School ExpensesRead more
SIM Swap Frauds - Safeguard Your Financial SecurityRead more
Digital Must-Haves for Students & How to Afford Them the Smart WayRead more
School Reopening? Here's How a Gold Loan Can Ease the PressureRead more
Safe, Simple & Digital: Fixed Deposits with a Digital Edge for Gen ZRead more
Stay Alert: How to Protect Yourself from Investment ScamsRead more
8 Reasons to Choose Quick FD for Your Financial NeedsRead more
Spot the Fakes: A Guide to Secure Online PracticesRead more
©2025 south Indian Bank. All Rights Reserved
Disclaimer | Terms & Conditions | Privacy Policy