Karur Vysya Bank Credit Cards

Karur Vysya Bank Credit Card Features and Benefits

The bank offers a wide range of benefits which come along with the credit card. This section will highlight some of the interesting features of Union Bank of India credit cards in general, along with their benefits.

1. KVB Corporate Credit Card

• The card offers an exclusive offer on earning cashback with card trasnacations.
• With this credit card, you can enjoy a fuel surcharge of 2% on all fuel transactions between INR 400 and 4,000.
• The card comes with zero joining fees.

2. KVB Corporate Credit Card

• Get complimentary access to the airport lounge with this card in India
• You can earn 2x rewards on using this card, and 200 reward points is necessary to redeem the reward points of the card
• Offers you a contactless transaction option as well.

3. KVB Platinum Credit Card

• This credit card comes with a welcome gift of 500 reward points.
• Get 2x reward points on using the card for making transactions for travel and shopping purposes.
• You can convert your spending to EMI and pay in slots.
• The card also offers balance transfer options for users.

4. Karur Vysya SBI Gold Card

• Get INR 100 as cashback on making the first withdrawal using the card.
• It comes with 200 reward points as a bonus or welcome gift. Rewards points can be used for paying card bills and doing recharge.
• Get 1% fuel surcharge on spending INR 500 to INR 3,000 on all petrol pumps.

5. Karur Vysya SBI Platinum Card

• The card welcomes you with an INR 3,000 gift voucher as a welcome gift.
• It offers a fuel surcharge of 1% on all petrol pumps on sending INR 500 to 4,000. 
• Get a complimentary membership to the pass program, which costs $99.
• Under the Visa Airport Lounge Access program, you get access to the airport lounge.

6. Karur Vysya SBI Platinum Card

• Enjoy a welcome e-gift Voucher worth INR 3,000/- on selected brands such as Yatra, Hush Puppies/Bata, Marks & Spencers, Westside, and Shoppers Stop. The voucher is valid for the upcoming 15 working days and you can use it up through your phone. 
• Comes with entertainment benefit of INR 500/- off on BookMyShow once every month, 
• Get access to airport lounges access for both national and international airports through the Visa Airport Lounge Access program.

Karur Vysya Bank Credit Card Rewards and Cashback

Karur Vysya Bank offers different card reward options for its customers. Along with rewards, it also has the option of giving you cashback which can be used for paying card bills, other utility bills, and so on. Here are the complete reward and cashback details on the cards.

1. KVB Corporate Credit Card	With this credit card, you can earn two reward points on spending every INR 100 for various categories. This card offers complimentary airport lounge access as well within India.
2. KVB Honour Credit Card	You can earn 4x reward points on spending for international travel such as airport tickets, dining, and so on. Earn 3 reward points on every INR 150 spent using the credit card.
3. KVB Platinum Credit Card	Earn two reward points for spending INR 150 on various categories. The card offers 1.5x reward points on using the card for making transactions for restaurants, shopping, travel, and car rentals.
4. Karur Vysya SBI Gold Card	Get INR 100 as cashback for making the first withdrawal with your credit card. You can earn 1 reward point for spending INR 100/- on various categories. Reward points can be utilised to repay credit card outstanding amounts, or alteast, you can adjust the amount.
5. Karur Vysya SBI Platinum Card	You can earn 5x reward points on making transactions with this credit card for dining, shopping, and departmental categories. You can also get 2 reward points for spending INR 100 on other categories.
6. Karur Vysya SBI Signature Card	Earn 5x reward points for spending on dining, departmental stores, international spending, and travel purposes. You can earn two reward points on spending every INR 100. Earn 10,000 bonus reward points on spending around 4 lakhs and 15,000 reward points on spending around 8 lakhs.

How To Earn and Redeem Karur Vysya Bank Credit Card Reward Points?

There is a structured method which every bank follows to allow its customer to earn and redeem their reward points. Here’s the complete process for earning and redeeming reward points from Karur Vysya Bank credit cards.

Earn Credit Card Rewards:

• As a part of the promotion, the customer gets up to 5x reward points on spending through the credit card.
• Karur Vysya Bank introduces Anmol Rewardz, through which customers can earn reward points on spending in various categories. 
• Customers can earn one to two reward points on spending INR 100 to 150 every time.

Redeem Credit Card Rewards:

To redeem your Karur Vysya Bank (KVB) credit card reward points, you have several convenient options:

• Call Center: The KVB call centre number is 1800 419 6500/(022)-404 260 31. Just like the IVR, you will be guided to the point redemption section here. This is where a customer service agent will be helpful in ensuring you deliver your redemption successfully.
• Internet Banking or Mobile Banking: To complete the KVB online cash transfer process, go to KVB internet banking or KVB mobile banking account. Now click on the Credit Cards link that can be found in the main menu. You should then choose the Redemption of Rewards or Loyalty Points from the options section. There are usually on-line prompts that would direct you on how you can check your reward points balance and choose where you want to redeem your points.
• Cash Back Redemption: For cash back reward redemptions, submit a request to the Credit Card Cell. From them, you will be advised as to how you can redeem the reward points that you have gained in the form of cashback or statement credits.

Karur Vysya Bank Credit Card Eligibility Criteria

Karur Vysya Bank follows certain factors before giving approval for the issue of their credit card. These factors include certain eligibility criteria that every customer needs to fulfil. Here’s the complete information:

• Age: Candidates must often be of a certain age, preferably 21 years or below 65 years. Nevertheless, there are times when offering incentives is not essential because such perks depend on a certain type of credit card.
• Income: It is widely stated that there is a certain minimum income threshold that most banks impose on clients seeking credit card facilities. The income is defined as dependent on the type of card required, and the employment status is salaried or self-employed.
• Employment Status: It was also discovered that borrowers might be required to be or have been engaged in employment or other revenue-generating activities to qualify for a KVB credit card. In their cases, they will need to provide other documents, such as income tax returns or details of registering the business.
• Credit Score: The credit history and credit score are other requirements that are required to avail of credit cards. Banks evaluate the applicant in terms of credit score, payment history, existing credit, and the credit limit being presumably used by the applicant.
• Residency Status: In the circumstances where the Applicant is required to produce identification, the General requirements include having a valid Indian address proof. Being local or foreign-based individuals may impact their qualifications in regard to certain kinds of credit cards.

Documents Required For Karur Vysya Bank Credit Cards Approval

Karur Vysya Bank requires some important documents for verification purposes. Here’s the complete list:

• Proof of Identity: The credit card holder of Karur Vysya Bank needs to hold valid government-issued identity proof for the card approval. The identity proof documents might consist of a PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, and other valid IDs.
• Proof of Address: For address proof, cardholders need to provide documents such as utility bills, ration card copies, bank statements, and other valid address proofs.
• Income Proof: In this category, cardholders need to provide bank statements, salary slips, and income tax returns for verification. 
• Recent Photographs: Two passport-size photographs are needed for verification purposes.
• KYC Documents: Under KYC documents, you need to provide either an Adhaar card, Pan card, or voter ID.

Karur Vysya BankCredit Card Annual Fees and Charges

Here’s the complete report on Karur Vysya Bank Credit Card annual fees for its customers:

1. KVB Corporate Credit Card

Annual Fee:

The card charges INR 1,000.00/card (free for the first year)

2. KVB Honour Credit Card

Annual Fee:

The card charges INR 999.00/card

3. KVB Platinum Credit Card

Annual Fee:

The card charges INR 599/card

4. Karur Vysya SBI Gold Card

Annual Fee:

The card charges INR 499/card

5. Karur Vysya SBI Platinum Card

Annual Fee:

The card charges INR 2,999/card

6. Karur Vysya SBI Signature Card

Annual Fee:

The card charges INR 4,999/card

How To Activate Karur Vysya Bank’s Credit Cards?

Karur Vysya Bank credit card is offered to its customers in inactive mode. In order to activate it, kindly follow the below process:

Activating via Call Center:

• Customers can call the toll-free number 1800 419 6500 or the number 022-404 260 31 to speak with the KVB call centre executive for activation.

Activating or Generating Green PIN via Internet Banking or Mobile Banking:

• Customer logging in through the internet banking site of KVB or through a mobile banking account.
• To do this, click the »Credit Cards « tab on the site map at the top of the page.
• Navigate by the menus at the top of the page and click the “Requests” link.
• To get to this step, select the “Card Activation/Green Pin” button.
• Refer to the on-screen prompts to load the desired amount or request for a Green PIN card activation.
• Upon its creation, your credit card will be immediately enabled for use at POS stations and for withdrawals from ATM machines.

Karur Vysya Bank Credit Cards Login/Net banking

Here’s the following process to be followed for the net banking of Karur Vysya Bank credit cards:

• Step 1: Click on the link https://www.kvb.co.in/personal/cards/kvb-credit-cards/kvb-credit-card/.
• Step 2: If you’ve already registered for net banking, click on the “Login” or “Sign In” button. If you haven’t registered yet, you may need to click on “Register” or “Sign Up” to create an account.
• Step 3: Go to the ‘home’ page and then click on the link ‘Login’, and click on the tab ‘Internet Banking’.
• Step 4: Enter your details by entering your user identification and password.
• Step 5: Here, you can view details about your credit card, such as your current balance, recent transactions, available credit limit, and more.

To access the system, open the designated website and enter your login details, mainly your user identification number and your password.

How To Compare Karur Vysya Bank Credit Cards and Choose The Best One?

You must assess your consumption pattern and segregate it in terms of segments where you mostly spend your money. This will assist you in figuring out rationally or in terms of what benefits you would like most and what type of rewards. Check the annual fees of all the credit card choices you have been given in front of you. 

Assess whether the incentives and other perks that accompany the credit card justify their decision to set the annual fee. For each credit card – or rather for any credit card, this means to check the interest rates applying to outstanding balances. 

If you hope to continue to use your credit card and come out with some balances that need you to carry over to the next month, it will be wise to select a credit card that charges little or almost zero interest rates. 
Providers of some credit cards might have some initial bonus points or promotional features like bonus reward points for the first credit card purchase, no yearly fee for the first year or low-interest rate for the first few months. 

Remember these points and incorporate them when comparing various options. Therefore, when evaluating this area of KVB, consider the accessibility of customer service personnel, the timeliness of customer support, and the effectiveness in handling customer complaints.

Conclusion

Karur Vysya Bank has limited credit card options available, but the bank’s regular customers often choose their credit cards because of their services. The credit cards offer 5x reward points on spending INR 100 to 150 on various categories. There are different offers associated with the cards, so you need to check out the offers before applying for any of the cards.

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