Karur Vysya Bank Credit Cards

List Of Best KVB Credit Cards in India

Karur Vysya Bank issues fewer credit cards than other major card issuers in the country; however, for those who are KVB loyal customers or want to have a credit card with basic features and a decent reward rate. In this article, you will find the list of top KVB credit cards in India. You can go through the features and benefits of all of them and then choose one according to your requirements:

KVB Corporate Credit Card

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(4.6/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

NA

KVB Honour Credit Card

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(4.0/5)

Fees

Joining Fee

Nil

Renewal Fee

Rs. 1,299 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

700 bonus reward points.

KVB Platinum Credit Card

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(5/5)

Fees

Joining Fee

Nil

Renewal Fee

Rs. 599 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

500 bonus reward points as a welcome benefit on payment of membership fees.

Karur Vysya Bank Credit Cards Features and Benefits

Nowadays, credit card issuers not only offer a credit limit but also provide a lot of other advantages to cardholders. Different types of cards come with different features and benefits across several categories. Some of the general benefits that you can get with all the KVB Credit Cards are as mentioned below:

• Welcome Benefits: When cardholders receive their new KVB Card, they are offered welcome benefits. Generally, they receive bonus reward points as a welcome gift. However, some card issuers also offer gift vouchers and other types of welcome privileges.
• Rewards: Whenever you make a purchase using your KVB Credit Card, you can save in the form of reward points that the card issuer offers. However, the reward rate can be different on different cards, and it can also vary for different categories.
• Travel Benefits: Travel Benefits that you may get with a Karur Vysya Bank Credit Card include complimentary lounge access, discounts on flight/hotel bookings, accelerated rewards on travel, etc.
• Other Benefits: In addition to all the features and benefits mentioned above, KVB Credit Cards offer some additional advantages, including fuel surcharge waiver, zero liability protection against a lost/stolen card, insurance coverage against selected categories, and many more.

Top Karur Vysya Bank Credit Cards

As mentioned earlier, the Karur Vysya Bank has a lesser number of credit cards in its portfolio, each of them having its advantages. Some of the top credit cards issued by the bank and their details features and benefits are mentioned below:

KVB Corporate Credit Card

Karur Vysya Bank on the KVB Corporate credit card provides you with shopping and travel benefits. With this card, you can enjoy a fuel surcharge of 2% on all fuel transactions between Rs. 400 – Rs. 4,000. You can vouch for this card at zero joining and an annual fee.

KVB Honour Credit Card

KVB Honour Credit Card is best suited for first-time credit card applicants. It comes with no joining fee and an annual fee of Rs. 1,299 which is also reversed to the cardholder’s account on spending Rs. 5 lakhs in the previous year. With this credit card, you can enjoy accelerated reward points on selected categories.

KVB Platinum Credit Card

With the KVB Platinum Credit Card, credit cardholders can enjoy the welcome benefits of 500 bonus reward points when paying the joining fee. This card lets you enjoy reward points on domestic & international travel, movie tickets, insurance, restaurants, and many other categories.

Karur Vysya Bank Credit Card Reward Points

Different KVB Credit Cards offer different reward rates. In general, premium cards that come with a higher annual fee offer a higher reward rate than cards that come with a lower annual fee. The reward rate may also vary on the basis of different categories, and this is why it is extremely important to understand your spending behavior before choosing a credit card. It is highly advisable to compare various credit cards on the basis of their reward rates and go with the one that offers maximum rewards in the categories where you spend the most. The reward rates of the top KVB Credit Cards are mentioned below in the table:

Rewards Redemption:

Karur Vysya Bank Ltd allows its credit cardholders to redeem their earned Reward Points against several products, gift vouchers, and various other options at a rate of 1 Reward Point = Re. 0.25. To redeem your reward points, you will have to call the KVB Credit Card customer care at 1800-419-6500/022-404-26031. Make sure that you make the most out of your credit card rewards by redeeming your earned rewards against the right category and at the right time. There might be an expiry date for your reward points. Ask your card issuer about this and redeem your rewards before they expire.

KVB Credit Cards Annual Fee

The annual fee of a credit card is one of the most important factors that individuals check before choosing a credit card for themselves. This is because every card comes with a  different joining/annual fee, and some of the cards even come with a zero annual fee. If you are someone with a high net worth, consider yearly high-fee credit cards, as these cards have premium benefits. On the other hand, if your annual income is average or lower, you should start your journey with low annual fee cards first. The joining and annual fees of the top KVB Credit Cards are given in the following table. Check the same carefully and choose a card that seems to be affordable for you:

Other Fees and Charges

Other than the annual fee, a credit card can have a number of other fees associated with it. Generally, people look for the yearly fee and ignore all other charges before applying for a credit card. But this is not really a good idea. In order to choose the right credit card for yourself, you should check all the features as well as fees & charges of a card. Some of the most important charges associated with KVB Credit Cards include interest rates, foreign currency markup fees, cash advance charges, add-on card fees, etc. All of these for the Top Karur Vysya Bank Cards are mentioned below in the table:

Karur Vysya Bank Credit Cards Eligibility Criteria

Every credit card issuer has certain eligibility criteria that the applicants need to fulfill in order to get approved for a credit card. These criteria are set on the basis of different factors, including the applicant’s age, annual income, credit score, relationship with the bank, etc. However, the exact criteria might be a bit different for each credit card, but the following are some of the basic requirements that you will have to fulfill for all the KVB Credit Cards:

• The applicant’s age should be above 21 years.
• The applicant should either be self-employed or salaried with a stable monthly income.
• The applicant should have a decent credit score.

For more detailed information about the KVB Credit Card eligibility criteria, refer to this page.

Documents Required

While applying for a credit card from the Karur Vysya Bank, you will also need to submit/upload a few documents. These documents include identity proof, proof of income, and address proof. The list of all the required documents is given below:

How To Apply for Karur Vysya Bank Credit Card

The applicant can apply for a Karur Vysya Bank credit card online or offline. For offline mode, you need to visit the nearest Karur Vysya Bank branch, fill out the application form, and submit it. If you want to apply online, then you need to visit the bank’s official website and select the credit card you wish to apply for. Then click on apply, fill in the required fields, attach the required documents, and submit the form. The bank, after reviewing your credit card application, will approve or disapprove it, and you will be notified. If the application gets approved, the bank will send the credit card to your mailing address.

Application Status

If you have already applied for a credit card from KVB, you can easily track the status of your application using any of the below-mentioned methods:

• To check your Karur Vysya Bank credit card application status, you can either call the customer care number or get in touch with a bank agent, providing your credit card application number. The agent will help you provide the application status of your credit card.
• You can also visit the nearest Karur Vysya Bank to learn the status of your credit card application. Kindly take your credit card application number along with you while visiting the bank, as it will help the employee to provide the details of your credit card application status without any hassle.

For more ways to check your KVB Credit Card application status, click here.

How To Activate a KVB Credit Card?

If you have received your new credit card from the Karur Vysya Bank, you might be looking for the steps to activate your credit card. You can get your credit card activated easily using any of the ways mentioned below:

• Log in or sign up for your KVB internet banking account. There, you can easily find an option to activate/generate a credit card PIN.
• Another easy way to get your credit card activated is to contact KVB Credit Card customer care and ask them to help you with the same.
• You can also activate your credit card at an ATM near you. Just visit your nearest ATM, insert your credit card, and find an option to generate your credit card PIN from the menu.

KVB Credit Cards Login/Netbanking

By registering your KVB Credit Card for Internet banking, you can void the hassle of visiting the branch for every small task, as almost all the credit card-related information can be accessed from the comfort of your home. The following are the steps to register your credit card for KVB internet banking:

• Visit the KVB’s official website.
• Under the login button, select ‘Internet Banking.’
• Click on Continue to log in, and after getting redirected to the login page, click on ‘New User.’
• Agree to the terms and conditions.
• Proceed accordingly by entering all the required details for your credit card.

For more detailed steps to sign up/log in to your KVB net banking account, visit this page.

KVB Credit Cards Customer Care

For any queries or complaints related to your Karur Vysya Bank Credit cards, you can contact the KVB Credit Card customer care anytime using any of the following contact details:

• Customers can get in touch with the bank to submit their credit card queries or complaints by calling 1860-258-1916 (domestic).
• You can also contact the bank by calling an international number, +91 44-66217600, from abroad to register your credit card queries or complaints.
• Apart from calling, you can also write to the bank mentioning your credit card query or complaint and send it to [email protected].