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Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Mr. Sharma enjoys great discounts on dining with his Credit Card. What about you? Get A Card
Karur Vysya SBI Credit Card is a co-branded card offered to customers by Karur Vysya and SBI Cards (a joint venture between GE Capital and State Bank of India). Shop & Smile Program rewards you with Reward Points whenever you shop, which can be redeemed against outstanding balance or gifts from the rewards catalogue. A Karur Vysya SBI Credit Cardholder can use his/ her Karur Vysya - SBI Card for all your needs ranging from dining, shopping, filling fuel, trips abroad and much more.
| Joining fee | Rs.2,999 |
| Annual Fee | Rs.2,999 |
| Charge slip retrieval | Rs. 225 for each chargeslip |
| interest-free credit period | 20-50 days applicable on retail purchases if outstanding balance of previous month is paid in full |
| Finance charges on extended credit | Up to 3.35% per month from date of transaction |
| Minimum Amount Due | 5% of Total Outstanding (Min. Rs. 200) + GST + EMI |
| Maximum Cash Advance limit | Up to 80% of Credit Limit |
| Cash advance fee at SBI ATMs/Other Domestic ATMs | 2.5% of withdrawal amount or 300/-, whichever is the highest |
| Cash advance fee applicable at International ATMs | 3% of withdrawal amount or 300/-, whichever is the highest |
| Cheque Pickup charges | Rs.90 |
| Statement Retrieval charges | Rs.100 for each statement |
| Rewards Redemption Fee | Rs. 99 |
| Cash OTC Fees | Rs. 100 |
| Foreign Currency Transaction | 3.5% currency conversion mark-up |
SBI card alert feature available on the Karur Vysya Bank- SBI Credit Card ensures that the cardholders gets timely updates on transactions made on the card via SMS to the registered mobile number. Customers can also use SBI Card Alert to get Credit & Cash limit Alerts, Mini Statement Alerts, Cheque Alerts & Payment Assistance Alerts.
SBI Card offers the ‘The Spend Analyser’ feature to its cardholders wherein they can analyze their current credit card spends using this tool. The credit cardholder can also analyze their spends category wise and in percentage. This is applicable for purchases made in the last 24 months.
In order to book a railway ticket online through the IRCTC website by using your Karur Vysya Bank - SBI Credit Card, you have to first register yourself in the IRCTC website and then log into your account. Book the ticket to your destination by providing the necessary details. When the portal prompts you to make a payment, use your Karur Vysya SBI Card through either of the two payment gateways which accept all Visa Cards.
Yes, there will be a fee levied on late payment of outstanding amount or minimum amount due. The charges are as follows:
| Outstanding Amount Due | Late payment Fees |
| Total Amount due ranging from Rs.0-Rs.200 | Nil |
| Total Amount due greater than Rs.200 & up to Rs.500 | Rs.100 |
| Total Amount due greater than Rs.500 & up to Rs.1000 | Rs.200 |
| Total Amount due greater than Rs.1000 & up to Rs.10,000 | Rs.500 |
| Total Amount due greater than Rs.10,000 | Rs. 750 |
The surcharges applicable on the credit card are as follows:
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Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
