KVB SBI Card PRIME

The Karur Vysya Bank SBI Card PRIME has premium lifestyle benefits, travel benefits, reward points, fuel surcharge waivers, and contactless technology for a frictionless payment experience. 

Updated On - 14 Feb 2026

The Karur Vysya Bank SBI Card PRIME is another premium lifestyle credit card. It is for Karur Vysya Bank cardholders with rewards, travel benefits, and savings. If you are shopping, dining, travelling, or spending on everyday expenses, the Karur Vysya Bank SBI Card PRIME will reward you with points. With add-ons like this, global acceptance and a fully integrated rewards program, this card is right for you if you value convenience and good value for money.

Karur Vysya Bank SBI Card PRIME Benefits

The following are the major advantages of using the Karur Vysya Bank SBI Card PRIME Credit Card:  

  1. Welcome Gift: Get a welcome gift voucher worth Rs.3,000 with brands like Bata, Hush Puppies, Pantaloons, Shoppers Stop, Yatra, or Aditya Birla Fashion when you pay the annual fee. 
  1. Milestone Benefits: Get Pizza Hut e-Gift voucher worth Rs.1,000 bonus reward points when your total spends are Rs.50,000 or more within 90 days of card issuance. Additionally, you would earn an e-gift voucher from Yatra worth Rs.7,000 when your annual spends are Rs.5 lakh. 
  1. Birthday Benefit: Get 20 reward points for every Rs.100 spent on your birthday (applicable one day before or after your birthday) using the KVB SBI Card Prime credit card. This is capped at 2000 rewards points in a calendar year.  
  1. Mastercard benefits: Save up to 12% on Agoda hotels, 15% on Apollo Pharmacy, and 15% on stays and meals at The Lalit Hotels. 
  1. RuPay Privileges: Avail up to 15% cashback on MakeMyTrip, 20% discount on ZoomCar, and 15% on Lifestyle Stores. 
  1. Reward Points: 2 points for every Rs.100 spent on all items (except Fuel). At restaurants, grocery/purchases will give 10 points per Rs.100 spend. 
  1. Lounge Travel: 8 lounges domestically and 4 lounges internationally each year. 2 domestic lounges and 2 international lounges can be accessed each quarter. 
  1. Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver for transactions from Rs.500 upwards and up to Rs.4,000 at any petrol pump. The maximum surcharge waiver is capped at Rs.250 per statement cycle. 
  1. Contactless: The card will facilitate contactless transactions, which are fast, secure and best of all, it avoids handing over your card. 
  1. Annual Fee Reversal: Use your SBI Card PRIME for the full Rs.3 lakh in a year, and you can reverse your annual renewal fee of Rs.2,999. 
  1. Split Balances on EMI: If you have an outstanding balance on other bank credit cards, switch the balance of your card to your SBI Card PRIME and pay it as an EMI.  
  1. Add-On Cards: Apply for add-on cards at no additional fee for family members (spouse, children, parents, siblings above 18 years).  
  1. Reward Redemption: You can redeem reward points on the Karur Vysya Bank SBI Card PRIME easily on the SBI Card website or mobile app. You can redeem your points for a range of options. 
  1. Reward point values: 1 reward point = up to Rs.0.25, depending on what you redeem, with travel usually providing better redemption compared with merchandise or vouchers.

Eligibility Requirements for the Karur Vysya Bank SBI Card PRIME

To be eligible to apply for the Karur Vysya Bank SBI Card PRIME, applicants must satisfy the following requirements: 

  1. Must be a resident of India 
  1. Must be 21 - 60 years old 
  1. Must have some form of regular employment (either salaried or self-employed)  
  1. Must have a positive credit history with no payment defaults 

Note: The Bank has the right to perform additional checks for the application, including but not limited to verification of income and internal risk profiling covering income stability, level of debt, existing credit exposure, and repayment history. 

Documents Requirement for the Karur Vysya Bank SBI Card PRIME

The following documents need to be submitted when you apply for the Karur Vysya Bank SBI Card PRIME credit card:  

  1. PAN Card: Mandatory to apply 
  1. Address Proof: Must provide proof of address which can include an Aadhaar card, Passport, Voter ID, or utility bills 
  1. Identity Proof: Any photo identity proof and supporting documents can include a Aadhaar card, Passport, or any Driving Licence 
  1. Proof of Income: If the applicant is a salaried employee: Probably the latest salary slips or Form 16, or multiple bank statements for the last 3 months. If the applicant is self-employed, (and the loan was not done per any tax obligations related credit): latest ITR with audit reports, and bank statements 
  1. Passport size photograph: A recent colour photograph to be affixed to the application form

Fees and Charges for the Karur Vysya Bank SBI Card PRIME

Table listing the fees and charges associated with the Karur Vysya Bank SBI Card PRIME: 

Fee/Charge 

Details 

Joining Fee 

Rs.2,999 + taxes (one-time) 

Renewal Fee 

Rs.2,999 + taxes (waived on Rs.3 lakh annual spend) 

Finance Charges 

Up to 3.5% per month (42% p.a.) 

Late Payment Charges 

- Rs.0 if due amount is up to Rs.500 - Rs.400 if Rs.501–1,000 - Rs.750 if Rs.1,001–10,000 - Rs.950 if Rs.10,001–25,000 - Rs.1,100 if Rs.25,001–50,000 - Rs.1,300 if above Rs.50,000 

Cash Advance Fee 

2.5% of the amount (minimum Rs.500) 

Overlimit Fee 

2.5% of overlimit amount (minimum Rs.600) 

Foreign Currency Markup 

3.5% on international transactions 

Reward Redemption Fee 

Rs.99 per request 

Card Replacement Fee 

Rs.100 

How to apply for the Karur Vysya Bank SBI Card PRIME

You can also apply for the Karur Vysya Bank SBI Card PRIME in the offline or online mode: 

Online Application

  1. Step 1: Visit the SBI Card website or Karur Vysya Bank website. 
  1. Step 2: Select the Karur Vysya Bank SBI Card PRIME and click on 'Apply Now'. 
  1. Step 3: Fill in the application form which contains your personal, employment, and financial information. 
  1. Step 4: Upload the required documents. 
  1. Step 5: Submit the application and complete your KYC using e-signature and/or video KYC. 
  1. Step 6: Now you can track the application using the reference number sent to your registered email address.

Offline Application

  1. Step 1: Visit the nearest Karur Vysya Bank branch. 
  1. Step 2: Ask for the SBI Card PRIME application form. 
  1. Step 3: Fill in the application with accurate information. 
  1. Step 4: Attach a self-attested copy of the required documents. 
  1. Step 5: Submit the application form to the bank representative. 
  1. Step 6: The bank will process your application and after approval will send you the card. 

FAQs on KVB SBI Card PRIME

  • How do I check the credit limit on my Karur Vysya Bank SBI Card PRIME?

    You can check your available credit or cash limit through the SBI Card mobile app, SBI Card website, or SMS. Your credit limit is also indicated on the monthly credit card statement. 

  • Am I allowed to upgrade or downgrade my Karur Vysya Bank SBI Card PRIME?

    Yes. You can request an upgrade or downgrade of your card, depending upon your usage, payment behaviour and credit profile. This can be done through the SBI Card website or customer care. 

  • Can I restrict or control usage on my Karur Vysya Bank SBI Card PRIME?

    Yes. You can set spending limits and restrict/enable transaction types (for example: online, ATM with card, contactless etc) using the SBI Card app or net banking. This is an added layer of security for your card. 

  • Can I convert purchases into EMIs on the Karur Vysya Bank SBI Card PRIME?

    Yes. Eligible purchases over a certain minimum amount can be converted to easy EMI with flexible tenures at the time of purchase and later also via the SBI Card app or through the SBI Card website. 

  • What is the value of the reward points on the Karur Vysya Bank SBI Card PRIME?

    You will earn 2 points per Rs.100 on regular spending and 10 points when you spend on dining and groceries. 1 reward point is worth up to Rs.0.25. You can redeem your points for travel, vouchers, merchandise, recharges, and more through the SBI Card portal and app. 

  • What complimentary insurance does the Karur Vysya Bank SBI Card PRIME offer?

    While not explicitly stated, premium cards such as these may have cover for accidental air death, lost card liability and other insurance while travelling. Refer to the card’s welcome kit or speak with customer care for detailed coverage limits. 

  • Is the Karur Vysya Bank SBI Card PRIME UPI-enabled?

    No, currently all SBI credit cards (including Karur Vysya Bank SBI Card PRIME) do not support UPI for direct payment use. You can use UPI based payment apps like Google Pay, PhonePe or Paytm to send a payment via credit card. 

  • What happens if I lose my Karur Vysya Bank SBI Card PRIME while I am travelling?

    Block your card via the SBI Card app, website or customer care. You will not be liable for any unauthorised transactions that took place after you reported the lost card to SBI Card. SBI Card has emergency card replacement support in select locations. 

  • Can I change the billing cycle of my Karur Vysya Bank SBI Card PRIME?

    Yes, you can request a time change to your billing cycle by contacting the user care team of SBI Card. Changes are granted at the discretion of the card provider and are subject to internal controls. You can only change the time of your billing cycle once within a given period of time. 

  • Does the Karur Vysya Bank SBI Card PRIME have an interest free period?

    Yes, the card allows for up to 50 days of credit on purchases as interest free if full payment of previous month debits is made. Interest free credit does not apply to cash withdrawals and EMIs. 

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