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KVB Altura Credit Card
Visa
KVB Altura Credit Card
A Visa Infinite travel card built for Karur Vysya Bank's affluent customer segment, pairing zero forex markup with a strong welcome bonus and a Club Marriott membership. It's positioned squarely for frequent flyers and hotel-stayers who want a premium card from a mid-sized private bank.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate · 5X reward points on flights, hotels, dining and luxury shopping.
- ✈️ Travel
5% reward rate
- 🏨 Hotel
5X reward points on flights, hotels, dining and luxury shopping.
- 🌍 Forex / international spend
Zero foreign currency markup on international spends. · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹80,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹5,00,000
- Foreign currency markup: 0%
- Interest rate: 3.5% p.a.
Benefits
- 7,500 welcome reward points (worth about ₹7,500) on joining.
- Zero foreign currency markup on international spends.
- Complimentary 1-year Club Marriott membership and a 12-month EazyDiner Prime subscription.
- 5X reward points on flights, hotels, dining and luxury shopping.
Pros
- + Zero forex markup for international travel
- + Strong welcome bonus of 7,500 points
- + Club Marriott and EazyDiner Prime memberships included
- + 5X rewards on travel, dining and luxury shopping
Cons
- − High joining and annual fee
- − High income eligibility threshold
- − New card lineup, so lounge network and redemption details are still limited