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Karur Vysya Bank SBI Signature Credit Card
KVB's top-tier SBI co-brand — nil joining fee but a ₹4,999 renewal, offset by a rich Priority Pass and milestone package for high-income cardholders, though the reward rate outside bonus categories is unremarkable and the fee has no spend-based waiver.
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, groceries, travel. 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) covering 600+ lounges worldwide
- 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
- 🍽️ Dining & food delivery
1.25% reward rate
- 🛒 Groceries
1.25% reward rate
- ✈️ Travel
2 complimentary domestic lounge visits per quarter, plus complimentary Priority Pass membership (worth $99) covering 600+ lounges
- ⛽ Fuel
1% fuel surcharge refund on transactions between ₹500 and ₹4,000, capped at ₹200/month
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 3%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on transactions between ₹500 and ₹4,000, capped at ₹200/month
Benefits
- e-Gift voucher worth ₹5,000 on payment of the annual fee
- Up to 50,000 bonus reward points (worth ~₹12,500) per year across spend milestones
- 2 complimentary domestic lounge visits per quarter, plus complimentary Priority Pass membership (worth $99) covering 600+ lounges
- Access to 300+ golf courses worldwide with a 30% discount on green fees
- 1% fuel surcharge refund on transactions between ₹500 and ₹4,000, capped at ₹200/month
Pros
- + Nil joining fee
- + Rich Priority Pass and golf privileges
- + Up to ₹12,500/year in milestone bonuses
Cons
- − ₹4,999 renewal fee has no spend-based waiver
- − Weak base reward rate outside dining/grocery/international
- − High ₹10L+ annual income requirement
Best for