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Karur Vysya Bank SBI Card ELITE
Visa
Karur Vysya Bank SBI Card ELITE
A premium banking-partnership card that mirrors SBI Card ELITE's benefits — lounge access, movie vouchers, a lower forex markup — issued through Karur Vysya Bank's customer network. A solid all-rounder for KVB customers who want a premium SBI product without a separate SBI relationship.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
0.5%
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 dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate
- ✈️ Travel
5% reward rate · Complimentary domestic and international airport lounge access.
- 🌍 Forex / international spend
Lower forex markup than standard SBI cards. · 1.99% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹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: 1.99%
- Interest rate: 3.5% p.a.
Benefits
- Welcome e-gift voucher worth Rs. 5,000 on payment of joining fee.
- Complimentary domestic and international airport lounge access.
- Complimentary movie tickets worth up to Rs. 6,000 a year.
- Lower forex markup than standard SBI cards.
Pros
- + Domestic and international lounge access
- + Reduced forex markup
- + Strong movie and lifestyle voucher benefits
Cons
- − High joining and annual fee
- − Fee waiver requires a high annual spend