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Karnataka Bank
Karnataka Bank SBI Platinum Credit Card
Visa
Karnataka Bank SBI Platinum Credit Card
Karnataka Bank's top 'elite-customer' SBI co-brand, distinct from its Prime SBI card — 5X rewards on dining, groceries, departmental stores and international spend (capped at ₹40,000/year in value) but no lounge access or spend-based fee waiver.
Rates and fees last verified 15 July 2026.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Premium
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate (capped ₹40,00,000/yearly)
- 🛒 Groceries
2.5% reward rate (capped ₹40,00,000/yearly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹60,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- e-Gift voucher worth ₹3,000 after paying the annual fee
- Anniversary e-gift voucher worth ₹3,000 on ₹2,00,000 prior-year spend
Pros
- + 5X rewards on dining, groceries and international spend
- + Solid ₹3,000 welcome voucher
- + Anniversary voucher on modest ₹2L spend
Cons
- − No lounge access, unlike Karnataka Bank's Prime SBI card
- − No spend-based fee waiver disclosed
- − Annual reward value capped at ₹40,000