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Karnataka Bank
KBL RuPay Classic Credit Card
RuPay
KBL RuPay Classic Credit Card
Karnataka Bank's entry-level own-brand RuPay Classic card for retail customers wanting a low-fee first credit card.
Annual fee
₹300
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% waiver at all fuel stations on transactions between ₹400–₹5,000, capped monthly
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
Pros
- + No joining fee
- + Fuel surcharge waiver
- + Simple entry option separate from the bank's SBI co-branded cards
Cons
- − Basic reward earning
- − No lounge or milestone benefits
- − RuPay-only acceptance limits international use