Karur Vysya Bank Credit Card

Last Updated : Jan. 7, 2025, 6:17 p.m.

Karur Vysya Bank credit cards are designed to suit various lifestyle needs. Whether you're looking for rewards, cashback, or travel benefits, their credit cards have features catering to your spending preferences. Customers can enjoy various perks such as reward points on purchases, exclusive discounts, fuel surcharge waivers, and access to airport lounges. Additionally, Karur Vysya Bank credit cards offer flexible repayment options and are equipped with security features to ensure a safe and seamless experience for cardholders.

In this article, we will enlighten you with the two categories of Karur Vysya Bank Credit Cards -

• KVB Credit Card
• Co-Branded KVB SBI Credit Cards

Best Karur Vysya Bank Credit Cards in India 2025

Benefits & Features of Karur Vysya Bank Credit Cards

KVB Platinum Credit Card

The KVB Platinum Credit Card is made for individuals to cater to their general and personal expenses while offering a range of premium benefits. It has features like reward points on purchases, travel benefits, and lifestyle perks. It's an ideal choice for those seeking a reliable and rewarding payment solution.

• Earn 2 reward points for every Rs.150 spent.
• Get 1.5x rewards on dining, medical, books, insurance, rail tickets, movies, and car rentals.
• Enjoy an annual fee waiver with yearly spending over Rs.1 lakh.
• Earn 2x rewards on domestic and international travel, including hotels and air tickets.

KVB Honour Credit Card

The KVB Honour Credit Card is customized for individuals to manage their general and personal expenses with ease. It offers a range of benefits, including reward points, lifestyle privileges, and enhanced spending flexibility. This card is designed to provide a seamless and rewarding financial experience for its users.

• 4 complimentary domestic airport lounge accesses annually.
• Earn 4x rewards on travel, hotels, and air tickets (domestic and international).
• Get 3 reward points for every Rs.150 spent.
• 2x rewards on dining, medical, books, insurance, rail tickets, movies, and car rentals.
• Annual fee waived for yearly spending above Rs.3 lakhs.

KVB Corporate Credit Card

The KVB Corporate Credit Card is issued to promoters and authorized employees of corporate and business entities to efficiently manage business-related expenses. It simplifies expense tracking, provides detailed statements, and offers features like reward points and expense control tools, all under corporate liability.

• Up to 25 credit cards can be issued under a single corporate entity.
• 2 complimentary domestic airport lounge access annually.
• Fuel surcharge waiver for eligible transactions.
• Earn 2 reward points for every Rs.100 spent.

Karur Vysya SBI Gold Card

A credit card designed for individuals with an annual income of Rs.4 lakhs or more. This card provides a range of exclusive benefits, including rewards, discounts, and financial flexibility, making it an ideal choice for those looking to enhance their purchasing power while enjoying premium perks.

• Receive Rs.100 cashback on your first ATM cash withdrawal within 30 days of receiving the card.
• Earn 10X reward points for every Rs.100 spent on dining, movies, departmental stores, and groceries.
• Get a 1% fuel surcharge waiver at all petrol stations.
• Earn 2,000 bonus reward points on spending Rs.2,000 within the first 60 days.

Karur Vysya SBI Platinum Card

This card is designed for neo-affluent customers who aspire to luxury and seek greater value. With premium benefits, exclusive rewards, and access to a world of privileges, this card is perfect for those looking to elevate their lifestyle and spending experience.

• Earn 5X reward points on dining, groceries, departmental stores, and international purchases.
• Enjoy a complimentary membership to the Priority Pass program (worth $99).
• Get complimentary lounge access to Visa lounges in India and abroad through the Visa Airport Lounge Access Program.
• Receive a 1% fuel surcharge waiver at all petrol pumps.

Note: Transactions ranging from Rs.500 to Rs.4,000 at any petrol station in India are eligible for the fuel surcharge waiver.

Karur Vysya SBI Signature Card

Karur Vysya SBI Signature Card, is tailored for neo-affluent customers. This card is designed for high spenders, providing a range of premium benefits and multiple choices to suit an upscale lifestyle. With exclusive rewards, travel privileges, and personalized services, it is perfect for those seeking both luxury and value in their spending.

• Earn 5X reward points on dining, groceries, departmental stores, and international purchases.
• Get a spend-based reversal of the annual fee for spending Rs.10 lakh or more.
• Take advantage of a 1% fuel surcharge waiver at every petrol station.
• Get complimentary lounge access to Visa lounges in India and abroad via the Visa Airport Lounge Access Program.
• Enjoy a complimentary membership to the Priority Pass program (worth $99).
• Get Rs.500 off on BookMyShow every month.

Note: Valid for bookings of at least 2 tickets. Maximum discount: Rs.250 per ticket for 2 tickets only, a convenience fee will be applied.

Karur Vysya Bank Credit Card Interest Rates

Salary Required for Co-Branded KVB SBI Credit Cards

Documents Required For Karur Vysya Bank Credit Card

Here is the list of documents that are required while applying for the Karur Vysya Bank Credit Cards -

• PAN Card
• Address proof
• Identity proof
• Income Proof for Salaried Employees - Payslip, Salary Certificate, Form 16, Income Tax Returns.
• Income Proof for Self-employed Professionals - Income Tax returns, Form 16
• Two passport-sized photographs

Karur Vysya Bank Credit Card Eligibility Criteria

Here is the eligibility criteria for Karur Vysya Bank Credit Cards:

• The minimum age required for the Karur Vysya Credit card eligibility is 21 years and the maximum should be 65 years of age.
• They must be salaried or self-employed.
• A stable income source is required.
• A good credit score is essential.

How to Apply For Karur Vysya Bank Credit Cards Online & Offline?

You can apply for a Karur Vysya Bank credit card online or by visiting the nearest KVB branch.

Online Application -

• Visit the official Karur Vysya Bank website.

• Navigate to the ‘Personal’ section in the header and select ‘Credit Cards’.

• Choose your preferred credit card variant and proceed.

• On the card details page, click on ‘Apply Now’.

• Provide precise information on the application form and send it in.

• The bank will verify your application upon submission.

• A bank representative will contact you to complete the documentation process.

Offline Application -

To apply for Karur Vysya Bank Credit Card offline, follow these steps:

• Visit the nearest Karur Vysya Bank branch.

• Request an application form from a bank representative.

• Complete the form completely, and affix the necessary paperwork.

• Give the bank representative the completed form and supporting documentation.

• The bank will review and verify your application.

• Upon successful verification, your credit card will be sent to your registered address.

What are the Factors Affecting Karur Vysya Bank Credit Card Eligibility?

Some factors that can affect Karur Vysya Bank Credit Card Eligibility:-

• Age: If you do not meet the minimum age requirement of 21 years, your application will be rejected for not meeting the eligibility criteria.

• Income: Your monthly income must meet the bank's minimum requirement. Insufficient income can result in the rejection of your application.

• Credit Score: A poor credit score or lack of credit history can significantly reduce your chances of approval. A good credit score , typically 700-750 or higher, demonstrates your creditworthiness and ability to pay bills on time.

• Debt-to-Income Ratio: If your total debt is high compared to your income, your eligibility may be impacted. Applicants should evaluate this ratio before applying.

• Multiple Credit Cards: Owning 7-8 credit cards can lower your chances of approval for a new one. The bank assesses your existing unsecured debt before issuing a new credit card.

• Payment Defaults: Frequent defaults on loan repayments or credit card bills reduce your eligibility. These defaults remain on your credit history for several years, affecting your creditworthiness.

• Multiple Applications: Submitting multiple applications simultaneously can lead to rejection. It’s better to apply for one credit card at a time and wait for the bank’s response.

By addressing these factors, you can improve your chances of meeting Karur Vysya Bank’s credit card eligibility criteria.

Ways to Pay Karur Vysya Bank Credit Card Bill

Here are the different ways through which you can pay your Karur Vysya Bank Credit Card Bill -

Online Payment via Net Banking:

• Log in to your Karur Vysya Bank Net Banking account.
• Choose the payment option after selecting the "Credit Cards" section.
• Enter the payment amount and confirm the payment.

Payment via the KVB Mobile Banking App:

• Open the Karur Vysya Bank mobile app.
• Go to the "Credit Card" section.
• Choose the payment method, enter the amount, and complete the payment.

NEFT/RTGS:

• You can also make payments through NEFT or RTGS by transferring the amount to the bank’s credit card payment account.

Cheque Payment:

• Write a cheque in favor of "Karur Vysya Bank Credit Card" and drop it in the nearest KVB branch dropbox or send it to the designated payment address.

Cash Payment at Branch :

• Visit any Karur Vysya Bank branch and make a cash payment to settle your credit card bill.

Note: Make sure to pay before the due date to avoid late payment fees.

Karur Vysya Bank Customer Care Number

For any Karur Vysya credit card-related queries, you can reach out through the following customer care channels :

Phone :

• Domestic: 022-24398199 or 1800-419-6500
• International: +91-44-66217600

Email :

• [email protected]
• [email protected]
• [email protected]

Conclusion

Karur Vysya Bank credit cards provide a variety of features and benefits designed to cater to different financial needs, whether for shopping, travel, or daily expenses. By fulfilling the eligibility requirements and maintaining a strong credit profile, you can access credit easily, enjoy attractive rewards, and manage your finances more effectively. The application process, whether online or at a branch, is straightforward and user-friendly. Backed by dependable customer support and transparent policies, Karur Vysya Bank credit cards offer a smooth and rewarding experience, making them a reliable option for achieving your financial aspirations.