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KVB Platinum Credit Card

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उत्पाद विवरण
क्रेडिट कार्ड का नाम

KVB Platinum Credit Card

Bank Name :

Karur Vysya Bank

प्रकार

Regular Credit Card

ब्याज दर

3.25% per Month; 39% P.A

पात्रता

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
पेशेवरों

  • Welcome Benefit: Users will get 500 bonus reward points on card activation.

  • Reward System: Users will earn 2 reward points for every Rs 150 spent. The value of 1 reward point is Rs. 0.25. Effective cashback rate: 0.16%. Users will earn 1.5x rewards on restaurants, medical, books, insurance, rail tickets, movie tickets & car rentals, an effective cashback rate: 0.5% and 2x rewards on domestic and international travels, hotels and air tickets, an effective cashback rate: 0.66%.

  • Waiver of annual fees if the user spends Rs. 1,00,000 or more in the previous year.

  • Periodical offers from VISA. 

  • Fuel surcharge waiver is available. 

दोष

  • No complimentary airport lounge access facility available.

पक्ष विपक्ष
Welcome Benefits

Users will get 500 bonus reward points on card activation.

पुरस्कार प्रणाली

  • Users will earn 2 reward points for every Rs 150 spent. The value of 1 reward point is Rs. 0.25. Effective cashback rate: 0.16%. Users will earn 1.5x rewards on restaurants, medical, books, insurance, rail tickets, movie tickets & car rentals, an effective cashback rate: 0.5% and 2x rewards on domestic and international travels, hotels and air tickets, an effective cashback rate: 0.66%.

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
Mark up of 3.5% will be charged on Foreign Currency transactions
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
None
Eligibility Criteria

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

फ़ायदे
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
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

  • 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)

सम्पर्क करने का विवरण

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

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome Benefit: Users will get 500 bonus reward points on card activation.

  • Reward System: Users will earn 2 reward points for every Rs 150 spent. The value of 1 reward point is Rs. 0.25. Effective cashback rate: 0.16%. Users will earn 1.5x rewards on restaurants, medical, books, insurance, rail tickets, movie tickets & car rentals, an effective cashback rate: 0.5% and 2x rewards on domestic and international travels, hotels and air tickets, an effective cashback rate: 0.66%.

  • Waiver of annual fees if the user spends Rs. 1,00,000 or more in the previous year.

  • Periodical offers from VISA. 

  • Fuel surcharge waiver is available. 

  • No complimentary airport lounge access facility available.

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.

KVB Platinum Credit Card

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

उत्पाद समीक्षा
फीस एवं प्रभार

  • 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

ईंधन अधिशुक्ल
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

फीस एवं प्रभार
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