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Karur Vysya Bank

KVB Platinum Credit Card

Checked against Karur Vysya Bank's 3 documents for this card on 02 Nov 2026
COFFER Safety Stars3.5 of 5See the five checks
Interest
0.5 of 1
Foreign spends
0 of 1
Spend fees
1 spend fees · Education / school fee charge1 of 1
Clarity
The bank's documents answer 15 of 16 cost questions1 of 1
Fine print
No gaps found1 of 1

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns reward points

First-year fee

₹0

Annual fee

₹599 a year.

₹599.00 per card

What it gives back

2 reward points per ₹150 · everyday spends

Read from 3 Karur Vysya Bank documents, last checked 9 Nov 2026.

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How it compares

Compared with the cards we have read

₹599 annual fee: of the 447 other open cards whose annual fee we have read, 246 state a lower one, 1 states the same and 200 state a higher one.

3.5% forex markup: of the 480 other open cards whose forex markup we have read, 162 state a lower one and 318 state the same.

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Fees

  • Joining fee

    ₹0

  • Annual fee

    ₹599 a year.₹599.00 per card

  • Fee waiver rule

    Waiver of annual fees if the spends of previous year is more than ₹1.00 lakhs.

  • Add-on card fee

    Add on card fee Free.

Welcome offer

  • Welcome benefit

    500 bonus Reward points on card activation.

Rewards

  • Reward rate

    2 reward points per ₹150 · everyday spends2 reward points on every ₹150 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

Also included

  • Fuel surcharge waiver

    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

    Minimum transaction amount of ₹10000 and maximum of total credit limit shall be applicable for balance transfer at the rate of 18%

  • 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 relationship vintage of the customer

Charges

  • Forex markup

    3.5% on foreign currency transactions.3.5% markup

  • Cash advance fee

    2% of the cash withdrawn or ₹300, whichever is higher.

  • Interest on unpaid balance

    3.25% per month; 39% p.a.

  • 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

    ₹199/- (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

Points expiring? Use Expiry Rescue

How we know - 3 documents from Karur Vysya Bank, checked 9 Nov 2026

3 documents from Karur Vysya Bank, checked 9 Nov 2026.

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₹599 a year

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