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Karur Vysya Bank
KVB Platinum Credit Card
Visa
KVB Platinum Credit Card
KVB's entry-to-mid tier own-issued Visa card for general/personal expenses, with a modest annual fee and category-boosted reward points.
Annual fee
₹599
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar 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
2 reward points/₹150 spent, with 1.5x-2x on restaurants, travel, insurance and rail/movie tickets
- ⛽ Fuel
1% fuel surcharge waiver on ₹500–₹4,000 transactions, capped at ₹200/cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 39% p.a.
- Fuel surcharge waiver: 1% surcharge waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹200/billing cycle
Benefits
- 500 bonus reward points on card activation
- 1% fuel surcharge waiver on ₹500–₹4,000 transactions, capped at ₹200/cycle
- 2 reward points/₹150 spent, with 1.5x-2x on restaurants, travel, insurance and rail/movie tickets
- Credit limit from ₹0.25L to ₹5L
Pros
- + No joining fee and low annual fee, waivable on ₹1L annual spend
- + Bonus reward multiplier on travel, dining and select categories
- + 45-day interest-free grace period
Cons
- − Reward point redemption value not disclosed on the official page
- − No stated lounge access or income/age eligibility