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KVB Platinum Credit Card

Product Details
Credit Card Name : 

KVB Platinum Credit Card

Bank Name :

Karur Vysya Bank

Type :

Regular Credit Card

Interest Rate : 

3.25% per Month; 39% P.A

Eligibility :

Age: 21 years to 65 years
Minimum annual income: Rs. 8 lakhs
CIBIL score: 750 and above
Permanent resident of India

KVB Platinum Credit Card
Pros

Customers can avail various benefits by using this card some of which are- 

  • Contactless transaction Earn 2 reward points on every Rs 150 spent 

  • 1.5x rewards on Restaurants, medical, books, insurance, rail tickets, movie tickets & car rentals 

  • Waiver of annual fees if the spends of previous year is more than Rs 1.00 lakhs EMI conversion and Balance transfer 

  • Periodical offers from VISA 500 bonus 

  • Reward points on card activation 

  • Fuel Surcharge waiver available. 

  • 2x rewards Domestic and International travels, hotels and air tickets

Cons
  • No complimentary airport lounge access facility available.

Pros & Cons
Welcome Benefits
500 bonus Reward points on card activation
Rewards System
  • Earn 2 reward points on every Rs 150 spent. 

  • The value of 1 reward point on the KVB Platinum Credit Card is Rs. 0.25. 

  • Effective cashback rate= 2.25%

International Forex Markup
Mark up of 3.5% will be charged on Foreign Currency transactions
Welcome Benefits and Reward System
Special Features
None
Eligibility Criteria

Age: 21 years to 65 years
Minimum annual income: Rs. 8 lakhs
CIBIL score: 750 and above
Permanent resident of India

Benefits
Customers can avail various benefits by using this card some of which are- Contactless transaction Earn 2 reward points on every Rs 150 spent 1.5x rewards on Restaurants, medical, books, insurance, rail tickets, movie tickets & car rentals Waiver of annual fees if the spends of previous year is more than Rs 1.00 lakhs EMI conversion and Balance transfer Periodical offers from VISA 500 bonus Reward points on card activation Fuel Surcharge waiver available. 2x rewards Domestic and International travels, hotels and air tickets
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Online Visit the KVB website and click on the "Cards" tab. 

  • Under the "Credit Cards" section, click on "Apply Now". 

  • Select the KVB Platinum Credit Card from the list of cards. 

  • Fill in the online application form and submit it. 

  • A bank representative will contact you to complete the process. 

  • Documents required KYC documents (proof of identity, proof of address, and proof of signature) Income proof (such as income tax returns, Form 16, or bank statements)

Contact Details

1860 200 1916 (Domestic helpline); +9144-3072 1916 (International helpline)

Account Opening and Procedure
KVB Platinum Credit Card

The KVB Platinum Credit Card is a decent option for moderate spenders who value everyday rewards, occasional travel benefits, and fuel savings. It offers a welcome gift, double rewards on travel bookings, bonus rewards on specific categories, and basic card benefits. However, the average reward rate, limited redemption options, lower fuel waiver cap, and lack of premium travel privileges might not be suitable for high spenders or those seeking significant travel or dining perks.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining Fee-NIL , 

  • Annual Fee- Rs.599.00/card 

  • Cash advance fee: 2% of the cash withdrawn or Rs 300. (Whichever is higher) 

  • Interest Rates: 3.25% per Month; 39% P.A 

  • Late Payment Charges: 200-500 Rs.100/- 501-2500 Rs.300/- 2501-10000 Rs.500/- 10001 -25000 Rs.800/- 25001 and above Rs.1000/- 

  • Foreign Currency Transactions Fees: 3.5%. 

  • Reward Redemption Fees: Rs. 99

Fuel Surcharge
1% of transaction value. Waiver: For single transaction spends between Rs.500 and Rs.4000. Maximum of Rs.200/- for one billing cycle
Billing Cycle

30 Days

Fees & Charges
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