All cards / Karnataka Bank
Karnataka Bank Prime SBI Card
A genuine mid-premium travel/lifestyle card with lounge and golf access, but the ₹3,000 joining/annual fee and steep spend-based waiver make it worthwhile mainly for higher spenders.
Rates and fees last verified 19 July 2026.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Premium
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Earn 2 reward points per ₹100 spent, and 5X points in select bonus categories
- Complimentary airport lounge access, up to 2 visits per cardholder per calendar quarter
- Golf course access including preferential tee times and discounted green fees; 2 free add-on cards; 24x7 card assistance
- ₹3,000 worth of e-gift vouchers on card anniversary for annual spends of ₹2,00,000
- Card Protection Plan covering fraudulent charges
Pros
- + Quarterly lounge access
- + Golf course privileges
- + 5X points in bonus categories
Cons
- − High annual fee unless ₹3L+ spent yearly
- − Bonus categories and exact lounge visit count not specified on Karnataka Bank's own page
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