Karur Vysya Bank Credit Cards: Banking Trust, Everyday Rewards

Karur Vysya Bank, a private lender since 1916, offers SBI Card-powered credit cards spanning corporate, shopping, and travel rewards.
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KVB Corporate Credit Card
Business expense card for MSMEs and corporates, with a higher 2% fuel surcharge waiver.
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KVB Honour Credit Card
KVB's premium own-brand card, earning 4X on travel with lounge access and a spend-waivable fee.
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KVB Platinum Credit Card
Entry-level card with a low annual fee waived on modest spending, plus a fuel surcharge waiver.
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Karur Vysya SBI Gold Card
Entry-level SBI co-brand with 2.5% value back at grocery and departmental stores.
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Karur Vysya SBI Platinum Card
Mid-tier SBI co-brand earning 5X rewards on dining, grocery and international spends.
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Credit Card
Karur Vysya SBI Signature Card
KVB's most premium card, with Priority Pass, Visa lounge access and up to ₹12,500 in annual bonus rewards.
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KVB Eternis Credit Card
Ultra-premium Visa Infinite card with zero forex markup, 1:1 reward value and luxury hotel privileges.
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How The Karur Vysya Credit Card Story Took Shape

Karur Vysya Bank was established in 1916 by M.A. Venkatarama Chettiar and Athi Krishna Chettiar. To meet the needs of traders and agriculturists around Karur, they began the bank with a capital of ₹1 lakh. That legacy continues to shape the Karur Vysya Bank credit card today. To meet changing customer needs, KVB introduced its credit card products in 2016, the year of its 100th anniversary. It was introduced for existing customers. In May 2026, Karur Vysya Bank launched its luxury credit card offerings, a significant move toward affluence in banking. Now its cards are for frequent travelers and people who want luxury travel.

Your Spending Has a Better KVB Match 

For Karur Vysya Bank, the best card depends on how you use it. Check out the most searched Karur Vysya credit cards for more benefits on every purchase.

Cards

Best For

Annual Fees

Rewards

KVB Eternis Credit Card

International travel

₹29,999 + GST for joining and annual card maintenance

6% value on airline, hotel, dining, and luxury spending; 10,000 bonus points; zero forex.

KVB Honour Credit Card

Domestic travel

₹999; no joining fee

4X travel rewards, 4X on selected lifestyle spend, 4 lounge visits, and a fuel surcharge waiver. 

KVB Platinum Credit Card

Budget entry

₹599; no joining fees

2X travel rewards, fuel surcharge waiver, and FD-backed access

Karur Vysya SBI Signature Card

High lifestyle spending

₹4,999 annual fees and renewal fees

Milestone rewards, BookMyShow vouchers, fuel surcharge waiver

Karur Vysya SBI Gold Card

Everyday spend

₹499 annual and joining fees; waived on ₹1L spent

10X rewards on dining, movies, grocery, and departmental-store spends 

Karur Vysya Bank doesn’t offer a single reward setup across every card. Your benefits can change quite a bit depending on whether you choose a KVB credit card or a co-branded KVB-SBI credit card range.

KVB’s Card Strategy Moves Toward Premium Offerings

KVB's credit card strategy signals an upward shift. Karur Vysya Bank launched its February finance celebration in the Visa credit card segment for people with a rich lifestyle in May 2026. KVB Aura Credit Card is a part of Visa's 2026 range of credit cards, Visa Platinum. It also includes the KVB Samara Credit Card in the Visa Signature segment and KVB Altura and KVB Eternis Credit Cards under the Visa Infinite Card.

Before the launch, most of KVB's credit card business was in the co-branded KVB-SBI category, comprising its Gold, Platinum, and Signature categories. In the past, KVB had no direct flexibility in pricing, benefits, or risk in its premium offering, which was based on SBI's rewards scheme. With KVB, you can now see your transactions by margin and spending category. The bank has now become the 'owner' of the P&L and card profits.

Karur Vysya Bank Looks Beyond One Salary or Score

The bank doesn't use a single set of eligibility criteria to evaluate credit card applications. Currently, the bank’s credit card policy covers salaried and self-employed applicants, as well as customers with deposits, OD/CC, and asset loans.

Credit card approvals are based on your CIBIL score, KVB’s internal application score, and estimated income. This means that KVB credit card eligibility is more profile-based, rather than a simple rule of ‘₹X salary + 750 CIBIL score.’ Eligibility criteria for the older Karur Vysya Credit Card policy vary by card, so you cannot assume they are similar across all credit cards issued by the bank.

Apply for a KVB Card Without the Guesswork 

To apply for a KVB bank credit card, go to the bank’s official Credit Cards page. Select your preferred card, click Apply Now, and enter your basic details. If you prefer help in person, visit a KVB branch and ask about the card. The bank may request KYC, income, or other documents to process your application.

KYB Bank Credit Card Documents to Keep Handy

Remember, you must have PAN, KYC, and income proof ready before filing the form, as KVB may require different proof for each profile. The table below provides an overview of the documents KVB can accept or may ask for during the assessment process.

Documents 

What to Keep Ready

Identity Proof/Address Proof

Aadhaar, passport, voter ID, PAN, or driving license

Income Proof

ITR, salary-account statement, or Form 26AS, as applicable

Photograph

Recent passport-size photograph

Employment Details

Supporting employment information, if requested

Karur Vysya Bank Points Only Count After Redemptions

Every time you redeem points on the Karur Vysya Platinum credit card, the Karur Vysya Honour credit card, or the Karur Vysya Eternis credit card, the bank charges ₹99. That means 250 points worth ₹250 become ₹151 after you redeem. The co-branded KVB-SBI credit card range has no redemption fee, which is a material advantage if you redeem frequently.

KVB Redemption Rule

Things to Know

First redemption

Minimum 2,000 Reward Points

Later redemptions

Current live card pages state 250 Reward Points.

Redemption charge

₹99 per request

Point expiry

Unclaimed points lapse after three years

Missed dues

Points can lapse if the minimum amount due remains unpaid beyond 60 days

Frequently Asked Questions

Q1. What are the Karur Vysya Credit Card Interest Rates?

Karur Vysya Bank credit card interest rates range from 3% to 3.25% per month, depending on the card you choose. That works out to roughly 36% to 39% annually, depending on the credit card you choose.

Q2. Who is eligible to apply for a Karur Vysya Bank credit card?

To apply for a KVB credit card, please visit the official credit card page on the website. The bank has not explicitly stated the conditions, so ask about them at your nearest branch.

Q3. Which is the best KVB credit card?

The best KVB credit card depends on factors like your spending habits and preferences. For example, if you're a travel enthusiast and love luxury cards, the KVB Eternis Credit Card is perfect for daily use.

Q4. Can I apply for KVB credit cards online?

Yes, you can apply for the KVB Credit Card online from their official website. Simply go to your favorite card tab, click Apply Now, and fill out the information.

Q5. What is the Karur Vysya Bank credit card limit?

 

KVB credit card limits vary by card, ranging from ₹ 2,000 to ₹50,000,000. Credit card variants have different credit limits based on your income profile and/or the credit card's FD backing.