Karnataka Bank Credit Card

Last Updated : Jan. 13, 2025, 4:27 p.m.

Karnataka Bank is a leading private sector bank in India, known for its customer-centric approach and innovative financial solutions. With a strong presence across the country, the bank offers a wide range of banking and financial products, including credit cards, customized to meet diverse customer needs.

Various Karnataka Bank credit cards are available to accommodate a range of lifestyles and financial requirements. They offer a smooth fusion of convenience and advantages, whether you're searching for rewards, cashback, or travel incentives. These cards are perfect for handling regular costs or large purchases because of their attractive interest rates, safe transactions, and worldwide acceptance.

We will help you examine the benefits and features offered by Karnataka Bank credit cards to identify one that best suits your budgetary objectives.

There are two varieties of the Karnataka Bank Credit Card:

• Karnataka Bank SimplySave SBI Card
• Karnataka Bank Prime SBI Credit Card

Top 2 Credit Cards of Karnataka Bank

Features of Karnataka Bank Credit Cards

Here are some of the benefits of Karnataka Bank Credit Cards, read properly to know and understand in a better way -

Karnataka Bank SimplySave SBI Card

SBI Card and Karnataka Bank have introduced the Karnataka Bank SimplySAVE SBI Card, designed for conscious spenders. This card offers features, rewards, and privileges designed to meet shopping, travel, fuel, and dining needs while helping customers save as they spend.

• 1 Reward Point for every ₹150 spent.
• Seamless payments by simply waving your card at secure readers.
• 24 million stores worldwide accept it, with 3.25 lakh in India.
• Withdraw cash from over 1 million Visa/RuPay ATMs worldwide.
• Pay utility bills like electricity, telephone, and mobile with Easy Bill Pay.
• Convert purchases of ₹2,500 or more into EMIs using Flexipay via SBI card within 30 days.

Karnataka Bank Prime SBI Credit Card

The Karnataka Bank Prime SBI Credit Card is designed for premium customers, offering exclusive rewards, benefits, and privileges. It caters to lifestyle, travel, dining, and shopping needs, ensuring a seamless and rewarding experience.

• Receive an SMS to select your e-Gift Voucher within 21 working days of annual fee payment. A voucher will be sent to your registered mobile or email within 5 days of request
• 20 Reward Points per ₹100 on utility bill payments through standing instructions
• 10 Reward Points for every 100 spent on movies, department stores, grocery and eating
• ₹1,000 Pizza Hut e-Gift Voucher on quarterly spends of ₹50,000
• Waive renewal fees with annual spends of ₹3 Lakhs
• ₹7,000 e-Gift Voucher from Yatra.com or Pantaloons on yearly spends of ₹5 Lakhs
• 4 complimentary International Priority Pass Lounge visits annually (max. 2 per quarter)
• 8 complimentary Domestic Airport Lounge visits yearly (max. 2 per quarter)
• 20 Reward Points per ₹100 spent on your birthday, with a cap of 2,000 points per year (valid for the day before, on, and the day after your birthday)

Karnataka Bank Credit Cards Eligibility Criteria

Here are the eligibility criteria for Karnataka Bank credit cards -

Key Features Of Karnataka Bank Credit Cards

Here are the key features of Karnataka Bank Credit Cards -

• Reward Points: Accumulate points for each purchase and exchange them for thrilling benefits.
• Cashback Offers : Enjoy cashback on select transactions and categories.
• Exclusive Discounts : Discounts are available on shopping, dining, travel, and more.
• Comprehensive Services : Access a wide range of services for seamless financial management.
• Smart Usage Benefits : Maximize benefits by effectively understanding features and using the card.

Karnataka Bank Credit Card Application Documents Required

Documents Required for Karnataka Bank Credit Card Application -

• Passport-Sized Photograph
• PAN Card (Permanent Account Number)
• Proof of Income : Income Tax Returns (ITR), salary slips, or bank statements
• Proof of Identity : Voter ID, Aadhaar Card, or driving license
• Proof of Address : Passport, Voter ID, or driving license

Fees and Charges on Karnataka Bank Credit Cards

Here are the charges and fees applicable on Karnataka Bank credit cards -

• Annual Membership Fee :
  Applicable for both primary and add-on cards, as determined by the bank. Fees vary by card type and scheme. Annual fees are non-refundable, even upon card closure.
• Cash Advance Fees :
  Withdraw cash from ATMs in India or abroad at any time. A fee of 2.5% of the amount withdrawn or ₹300 (whichever is higher) is charged per transaction and added to the next billing statement. Cash withdrawals do not enjoy an interest-free period.
• Late Payment Charges :
  Applicable if the minimum due is not paid by the due date. Charges are as follows:

Karnataka Bank Credit Card Customer Care Number

Here is the customer care number of Karnataka Bank for any queries related to credit cards, customers can ask or call this toll-free number -

• 24x7 Toll-Free Helpline : Call 1800 425 1444 from mobile or landlines in India for assistance.
• Email Support : Write to [email protected] for credit card-related queries. Ensure you include your name and contact details for prompt assistance.

Summing Up!

Karnataka Bank Credit Cards are designed to cater to diverse financial needs with a range of features, rewards, and benefits. Whether for shopping, travel, dining, or daily expenses, these cards offer value and convenience, making them a reliable companion for managing finances. With competitive fees, accessible customer care, and offerings, Karnataka Bank Credit Cards empower customers to spend smartly and save effectively.