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KVB Eternis Credit Card
Visa
KVB Eternis Credit Card
The flagship Visa Infinite card in Karur Vysya Bank's newly launched premium portfolio, aimed at top-tier affluent customers. It leads with a large welcome bonus, a free luxury hotel stay, and zero forex markup, positioning it as KVB's answer to the super-premium metal cards from larger private banks.
Annual fee
₹9,999
Joining fee
₹9,999
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 760+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.5% base rate
Benefits by category
- 🍽️ Dining & food delivery
6% reward rate
- ✈️ Travel
6% reward rate · Complimentary domestic and international airport lounge access.
- 🏨 Hotel
Complimentary stay at a luxury Postcard Hotels property and curated travel discounts.
- 🌍 Forex / international spend
Zero foreign currency markup on international spends. · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 760
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- Foreign currency markup: 0%
- Interest rate: 3.5% p.a.
Benefits
- 10,000 welcome reward points (worth about ₹10,000) on joining.
- Complimentary stay at a luxury Postcard Hotels property and curated travel discounts.
- Zero foreign currency markup on international spends.
- Complimentary domestic and international airport lounge access.
Pros
- + Large welcome bonus of 10,000 points
- + Complimentary luxury hotel stay
- + Zero forex markup and airport lounge access
- + Highest reward rate in KVB's new lineup
Cons
- − Very high joining and annual fee
- − Steep minimum income requirement
- − Brand-new launch with no established redemption track record