All cards / Karur Vysya Bank
Karur Vysya Bank SBI Platinum Credit Card
KVB's mid-tier SBI co-brand for ₹8L+ income earners — decent lounge access and golf privileges plus a low 1.99% forex markup, though the base reward rate is capped fairly low each month.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 730+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter, plus complimentary Priority Pass membership (worth $99)
- International lounge access: Complimentary international lounge access via Priority Pass membership (worth $99)
- Golf: Access to 300+ golf courses worldwide with a 30% discount on green fees
Benefits by category
- ✈️ Travel
2 complimentary domestic lounge visits per quarter, plus complimentary Priority Pass membership (worth $99)
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
- 🌍 Forex / international spend
1.99% forex markup on international transactions
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹65,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 1.99%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Benefits
- e-Gift voucher worth ₹3,000 from Westside, Hush Puppies or Yatra
- Additional ₹3,000 e-gift vouchers each at ₹4 lakh and ₹5 lakh annual spend
- 2 complimentary domestic lounge visits per quarter, plus complimentary Priority Pass membership (worth $99)
- Access to 300+ golf courses worldwide with a 30% discount on green fees
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Pros
- + Low 1.99% forex markup for a co-branded card
- + Quarterly lounge access plus Priority Pass
- + Golf course privileges
Cons
- − Reward points capped at 7,500/month
- − No published spend-based fee waiver
- − ₹8L+ annual income requirement