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Karur Vysya Bank Honour Credit Card

The KVB Honour Credit Card allows you to earn reward points when you spend on travel and shopping. There is no joining fee for the credit card and the annual fee of the KVB Honour Credit Card is Rs.1,299.

Looking for your first credit card? Apply here!

Key Highlights of the KVB Honour Credit Card

  1. Get 4 free visits to airport lounges in India.
  2. You get a fuel surcharge waiver of 1% when you use the credit card to buy fuel at any fuel station in India.
  3. When you activate the credit card, you get 700 reward points as a bonus.

Features and Benefits of the KVB Honour Credit Card

Welcome benefits

  1. When you activate the KVB Honour Credit Card, you get 700 bonus reward points.

Reward points benefits:

  1. You earn 3x reward points every time you spend Rs.150 on the KVB Honour Credit Card.
  2. When you use the credit card for the following, you get 2x reward points:
  3. Dining at restaurants
  4. Renting cars from partner rental agencies
  5. Buying movie tickets
  6. Medical expenses
  7. Insurance
  8. Buying books
  9. Purchase of railway tickets
  10. When you swipe the card for booking hotel rooms and air tickets (domestic and international), you get 4x reward points.

Airport and lounge benefits:

  1. You get 4 complimentary visits to domestic airport lounges.

Milestone benefits:

  1. When you spend more than Rs.5 lakh in one year on the KVB Honour Credit Card, the annual fee of Rs.1,299 will be waived off for the next year.

Fuel benefits:

  1. When you purchase fuel with the KVB Honour Credit Card at a fuel station in the country, you get a 1% fuel surcharge waiver.
  2. You can get a fuel surcharge waiver of up to Rs.200 in one billing cycle.
  3. To avail surcharge waiver benefit, the fuel transaction amount should be between Rs.500 and Rs.4,000.

Contactless transactions benefits:

  1. With the KVB Honour Credit Card, you can make contactless transactions up to Rs.5,000.

Equated Monthly Instalment (EMI) benefits:

EMI interest rate

15% to 22%

Minimum amount

Rs.500

Maximum amount

Credit limit of your credit card

Balance transfer benefits:

EMI interest rate

18%

Minimum amount

Rs.10,000

Maximum amount

Your card's credit limit

Looking for your first credit card? Apply here!

Fees and Charges of Karur Vysya Bank Honour Credit Card

Type of Charge

Fee

Outstanding amount

Late payment fee

Joining fee

NIL

Annual fee

Rs.1,299

Finance charge

  1. 3.25% every month
  2. 39% (Annualised)

Minimum Amount Due (MAD)

5% of the outstanding amount (subject to a minimum amount of Rs.200) + EMI* + taxes + overlimit amount*

*The EMI and overlimit amount are applicable only if you have purchased an item on EMI, or if you have any overlimit amount due.

Fee for credit card replacement/reissue

  1. Rs.199
  2. When the credit card expires, the bank will automatically reissue a new credit card at no extra charge.

Fee to get an add-on card

NIL

Cash withdrawal fee

Rs.100 or 2% of the withdrawn amount (whichever is the higher amount)

Late Payment charges

  1. Rs.200 to Rs.500 - Rs.100
  2. Rs.501 to Rs.2,500 - Rs.300
  3. Rs.2,501 to Rs.10,000 - Rs.500
  4. Rs.10,001 to Rs.25,000 - Rs.800
  5. More than Rs.25,001 - Rs.1,000

Rs.200 to Rs.500

Rs.100

Rs.501 to Rs.2,500

Rs.300

Rs.2,501 to Rs.10,000

Rs.500

Rs.10,001 to Rs.25,000

Rs.800

Rs.25,001 and more

Rs.1,000

Overlimit fee

  1. 2.5% of the overlimit amount (subject to a minimum of Rs.500)

Payment return through Electronic Clearing System (ECS)/cheque/National Automated Clearing House (NACH)

Rs.500

Cash processing fee

Rs.100 (for cash deposits you make via KVB branches)

Foreign currency mark-up

3.5%

EMI/Balance transfer processing fee

1% of your loan amount or Rs.300 (whichever amount is higher)

EMI/Balance transfer foreclosure fee

3% on your principal outstanding amount

Reward points redemption fee

Rs.99 per redemption request

KVB Honour Credit Card Reward Points

  1. You should have 2,000 reward points or more in order to raise the first rewards points redemption request.
  2. Thereafter, you need to have a balance of at least 250 reward points to redeem your points.
  3. Rewards points that have not been redeemed will automatically lapse once in every 3 years.
  4. The reward points you earn on the KVB Honour Credit Card can also lapse if you do pay the Minimum Amount Due (MAD) for more than 60 days.
Looking for your first credit card? Apply here!

FAQs on Karur Vysya Bank Honour Credit Card

  • What is the validity period of the KVB Honour Credit Card valid?

    The credit card is valid for 5 years from the date on which it is issued to you.

  • For the KVB Honour Credit Card, what is the interest-free period?

    You get an interest-free period of up to 45 days.

  • What payment modes can I use to pay my outstanding credit card dues?

    All your outstanding credit card dues be paid via net banking, National Electronic Fund Transfer (NEFT), Real Time Gross Settlement (RTGS), writing a cheque in favour of KVB, and/or cash payment at KVB branches.

  • Do I have to pay the credit card reissue/replacement fee if my card was stolen?

    If your KVB Honour Credit Card is lost and has been used to make fraudulent transactions, the fee for reissue/replacement will be waived off.

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  9. Yes Bank Credit Card Customer Care
  10. Standard Chartered Credit Card Customer Care
  11. Canara Bank Credit Card Customer Care
  12. HSBC Credit Card Customer Care
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  14. Bank of Baroda Credit Card Customer Care
  15. Bank of India Credit Card Customer Care
  16. Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
  1. Credit Card Bill Payment
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  4. Federal Bank Credit Card Bill Payment
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  6. IndusInd Credit Card Bill Payment
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  8. Standard Chartered Credit Card Bill Payment
  9. RBL Bank Credit Card Bill Payment
  10. HSBC Credit Card Bill Payment
  11. PNB Credit Card Bill Payment
  12. Canara Bank Credit Card Bill Payment
  13. Bank of Baroda Credit Card Bill Payment
  14. Bank of India Credit Card Bill Payment
  15. Union Bank Credit Card Bill Payment
Credit Card Eligibility
  1. Credit Card Eligibility
  2. SBI Credit Card Eligibility
  3. HDFC Credit Card Eligibility
  4. Federal Bank Credit Card Eligibility
  5. Axis Bank Credit Card Eligibility
  6. Yes Bank Credit Card Eligibility
  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
  14. Union Bank Credit Card Eligibility
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