KVB Eternis Credit Card

Annual feeJoining fee

₹29,999 + GST

Fee waiver rule

Eternis Infinite: Spend 200% of credit limit in Year 1 and get Annual fee waiver in Year 2 (as gift vouchers). Net spends excludes fuel transactions, instalments, fee, charges, GST, cash withdrawals and transaction reversals.

Welcome benefit

Welcome Bonus: 10,000 Reward Points on card activation.

Reward rate

2 Reward Points per ₹100 · everyday spends2 Reward Points for every ₹100 spent.

Point expiry

Unclaimed reward points will be lapsed once in 3 years or if Minimum Amount Due (MAD) is not paid more than 60 days

Hotel or travel programme

Welcome Benefits: One-night stay at Postcard Hotels; 1-year Club Marriott Membership.

Hotel or travel programme

15% off on Business Class fares with Qatar Airways, Lufthansa on international routes and Air India on domestic routes.

Dining programme

Welcome Benefits: 1-year EazyDiner Membership.

Concierge

Welcome Benefits: 1-year MindEscapes Concierge Club Access.

Fuel surcharge waiver

Petrol Transaction Surcharge 1% of transaction value. Waiver: For single transaction spends between ₹500 and ₹4000. Maximum of ₹200/- for one billing cycle

Balance transfer terms

Not offered: Balance Transfer Not Available.

Purchase to EMI conversion

Minimum transaction amount of ₹500 and maximum of total credit limit shall be converted to EMI at the rate of 15% to 22% depending on the EMI tenor

Forex markup

0%Zero foreign currency markup on international transactions

Cash advance fee

2% of the cash withdrawn or ₹300, whichever is higher.

Interest on unpaid balance

3% per month, 36% per annum.

Interest-free period

Maximum of upto 45 days

Late payment fee

Outstanding ₹200-₹500: ₹100; ₹501-₹2,500: ₹300; ₹2,501-₹10,000: ₹500; ₹10,001-₹25,000: ₹800; ₹25,001 and above: ₹1,000.

Over-limit fee

2.5% on over limit amount, subject to minimum of ₹500/

Card replacement fee

₹3999/- plus applicable GST (Waived for Fraudulent transaction, reissue on Expiry)

Education / school fee charge

Education Fee payment through Third Party Application 1% of the transaction amount applicable as fee on Education Payments made through third-party apps.

Fee for paying the bill by cheque

Outstation cheque Fee Waived Retail Corporate.

Reward redemption fee

₹99/- per redemption request (Minimum 2000 reward points are required for first redemption, there after 250 reward points required for subsequent redemptions), Unclaimed reward points will be lapsed once in 3 years or if Minimum Amount Due (MAD) is not paid more than 60 days