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Karur Vysya Bank
Karur Vysya Bank SBI Gold Card
Visa
Karur Vysya Bank SBI Gold Card
KVB's entry-level co-branded SBI card for customers with ₹4L+ annual income — a modest 5X rewards structure on dining and groceries at a fee that needs ₹1.5L of spend to waive.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, groceries. 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
1.25% reward rate
- 🛒 Groceries
1.25% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Benefits
- e-Gift voucher worth ₹1,500 on payment of the joining fee
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Pros
- + Accessible income eligibility (₹4L+ annual)
- + 5X rewards on dining and groceries
- + Standard fuel surcharge waiver
Cons
- − No lounge access on this tier
- − Weak base reward rate outside bonus categories
- − Overshadowed by KVB's own Platinum/Signature SBI tiers