Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Karur Vysya Bank SBI Signature Credit Card

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    Karur Vysya Bank SBI Signature Credit Card

    The Karur Vysya Bank Signature credit card is meant for those who love to live life, king size. This co-branded credit cards come with the benefits and privileges associated with Karur Vysya and SBI, two of the most respected banks in the country. This one card contains a plethora of unique benefits and features that opens doors to a luxurious lifestyle while ensuring the protection of customer’s interests.

    A private sector bank headquartered in Karur, Tamil Nadu, Karur Vysya Bank was founded in 1916. This bank is known for its many technological and digital initiatives that it undertakes and has over 600 branches. As part of its retail banking portfolio, a number of products and services are provided such as loans, credit cards, fixed deposits and so on.

    Benefits of Karur Vysya Bank SBI Signature Credit Card

    Welcome Gift

    Individuals, on availing this card, receive e-Gift vouchers worth Rs.5000 as part of their Welcome Gift from one of the following - Marks & Spencer, Bata, Hush Puppies, Yatra, Shoppers Stop, Westside. This voucher will be sent to the customer’s registered mobile number within a fortnight of receiving a receipt of request.

    Complimentary Tickets for Movies

    Customers will need to swipe their Karur Vysya Bank SBI Signature Credit Card once every month to receive Rs.500 off on BookMyShow. This transaction is applicable for a minimum of 2 tickets per booking. The maximum offer available is Rs.250 per ticket for two tickets only. Additionally, convenience fee would be applicable.

    Signature Rewards

    Customers can enjoy the benefits of receiving 5X Reward points on Grocery, Departmental stores, Dining and International Spends. For every Rs.100 spent on their Karur Vysya Bank SBI Signature Credit Card, they will receive 2 Rewards points.

    Bonus Rewards

    Customers can earn 10,000 Reward points as a bonus when they spend Rs.2 lakhs, Rs.3 lakhs or Rs.4 lakhs annually. When they spend over Rs.5 lakhs, they will earn 20,000 Reward points as a bonus.

    Concierge Service

    Customers can avail exclusive concierge services to assist them with their hotel, movie, travel and gift delivery reservations and assistance. Customers can also avail exclusive offers and discounts at leading lifestyle stores and spas.

    Access to Lounge

    Individuals, through their Karur Vysya Bank SBI Signature Credit Card, can avail a complimentary membership to Elite Priority Pass program, which costs $99. In addition to this, they can also enjoy lounge access to Visa lounges abroad and in India through the Visa Airport Lounge Access program.

    Features of Karur Vysya Bank SBI Signature Credit Card

    True Lifestyle

    Customers can avail access to over 300 golf courses throughout the world in addition to procuring 30% discount on green fee.

    Cash Anytime, Anywhere

    Individuals can withdraw cash using their Karur Vysya Bank SBI Signature Credit Card from more than a million ATMs affiliated to visa, throughout the world.

    Karur Vysya Bank SBI Signature Credit Card Online

    Customers have the option to manage their Karur Vysya Bank SBI Signature Credit Card online. They can check their monthly statements, change their address, subscribe to SMS alerts and avail other features by logging on to the SBI card website.

    Waiver of Fuel Surcharge

    Individuals can do away with paying the 2.5% fuel surcharge by charging Rs.500-Rs.4000 to their Karur Vysya Bank SBI Signature Credit Card. Rs.250 is the maximum surcharge waiver that can be availed per cycle on their credit card.

    Utility Bill Payment at No Charge

    Individuals can now pay all their utility bills without worrying about missing the due date by availing the Easy Bill Pay facility on their Karur Vysya Bank SBI Signature Credit Card. By using the Auto Bill Pay feature, customers can give instructions to ensure that payments are made on their behalf.

    Flexipay

    By using Flexipay, individuals can convert all their extravagant and expensive transactions to easy and convenient monthly installments. A plan of their convenience can be chosen.

    EMI Balance Transfer

    Customers can transfer the balance on their other bank’s credit cards to their Karur Vysya Bank SBI Signature Credit Card and procure a reduced interest rate, while having the option to pay back in convenient EMIs. In order to avail this facility, customers will have to log in to the SBI card website and login using their credentials, post which the desired option can be selected.

    Easy Money Facility

    Through this facility, individuals can avail money as and when they need it. They can procure a cheque or draft against their cash limit and have it delivered to their house.

    Railway Ticket Booking Online

    Customers can book their railway tickets online through their Karur Vysya Bank SBI Signature Credit Card. They will have to log in to the IRCTC website, login and make reservations. At the payment gateways, they can use their credit card to pay for the ticket. Individuals must note that, all transactions on this website is governed by the terms and conditions put forth by IRCTC.

    Worldwide Acceptance

    Karur Vysya Bank SBI Signature Credit Card can be utilized in over 2 million visa outlets throughout the globe and in more than 2 lakh outlets within India.

    Family Empowerment

    Customers can share the unique benefits of their Karur Vysya Bank SBI Signature Credit Card with their family. Supplementary cards can be procured for their children, spouse, siblings and parents. The supplementary cardholder must be above the age of 18.

    Emergency Replacement of Card

    In case individuals misplace or lose their Karur Vysya Bank SBI Signature Credit Card, they can get it replaced anywhere in the world by calling the helpline and emergency numbers.

    Eligibility for Karur Vysya Bank SBI Signature Credit Card

    The eligibility to procure a Karur Vysya Bank SBI Signature Credit Card will be decided based on the applicant’s profession and income, among other factors.

    Documentation Required for Karur Vysya Bank SBI Signature Credit Card

    1. PAN card
    2. ID proof (Any one) -
    • Driving License
    • UID Aadhaar No.
    • Passport
    • Voter’s ID

    Fees and Charges Applicable on Karur Vysya Bank SBI Signature Credit Card

    Annual Fee - One Time Rs.4,999
    Renewal Fee - Per Annum Rs. 4,999
    Add-on Fee per annum Nil
    Extended credit - Interest Free Period The interest free period is 20 - 50 days and is applicable on retails spends, only if the outstanding balance from the previous month has been completely paid.
    Extended credit - Finance Charges Up to 40.2% per annum or 3.35% per month, from the date of transaction.
    Extended credit - Minimum Amount Due A minimum of Rs. 200 or 5% of the Total amount outstanding, along with GST and in case of loans, including EMI
    Cash Advance Limit A maximum of 80% of the credit limit. A maximum amount of 15000 per day.
    Cash Advance - Free Credit Period Nil
    Cash Advance - Finance Charges A maximum of 3.35% per month or 40.2% per annum from the date of transaction.
    Cash Advance Fees - State Bank of India ATMs and other Domestic ATMs Rs. 300 or 2.5% of the amount withdrawn, for each transaction
    International ATMs Rs. 300 or 3% of the the amount withdrawn, for every transaction
    Cheque Pickup Rs. 90
    Statement Retrieval If over 2 months, then Rs. 100 for each statement
    Chargeslip Request For each chargeslip, Rs. 225 is charged
    Overlimit A minimum of Rs. 500 or 2.5% of the overlimit amount
    Rewards Redemption Fee Up to Rs 99
    Fee for Card Upgrade Maximum of Rs.500
    Replacing the card Rs. 100
    Surcharge - Railway Ticket at the counter Rs. 30 plus 2.5% of the transaction amount

    *GST rate of 18% applicable for all financial services effective July 1, 2017

    Credit Card Reviews

    • SBI Cards Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      My credit card application was approved with SBI cards and the experience was quite good. I received my credit card within 10 days. I have a credit limit of Rs 1 lakh which is sufficient. An annual fee of Rs 499 has to be paid every year for this credit card. Customer service was good and they provided door step service to collect the documents. I use this credit card mainly for shopping purpose.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card with Sate Bank of India.It has got annual fees of Rs 500 The card has a good limit on it.The customer service is not up to the mark they don't respond on time.I make card payment by cash.Net banking is good and convenient use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Dissatisfactory"
      0.5 1.0/5 "Really Bad"
      I hold a SBI Simply Save credit card with limit of 10K. I am unhappy with SBI service based on credit card. They are not sending summary of the statements. I just used 100 rupees but they charged 690 rupees. I tried calling the customer service to get the breakdown on my bill but there was no proper response. I paid the full amount to avoid late payment charges.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Helpline Service should be improved"
      0.5 5.0/5 "Blown Away!"
      I have been trying to reach their SBI customer service but I am unable to speak with the executive, Their IVR system should be improved. I didn't give clarity about the charges, I done Rs.50,000 amount into an EMI, they told to pay Rs.5000. I paid some amount but it got debited for the insurance. I would like suggest their helpline service should be improved.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      The offers and the benefits are very rare with the SBI central credit card and the annual fee is Rs,3000 they charge for this card and I am satisfied with it., The customer support is average with the SBI credit card department. I would say I am satisfied with the credit limit,but their interest and the charges are high with the SBI credit cards.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      The only drawback I see with State bank of India is there are too many calls from the bank for the life card and the insurance. This should be avoided. Else the process and the credit limit is good for the simply save credit card. I was told if I spend 2K, I would get 500 points. But I have spent more than 9K and I got only 254 points. There is a annual fee of 500.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Better card"
      0.5 4.0/5 "Great!"
      First I had SBI Simply Click card and it was upgraded to Prime card. The credit limit was good, they have fulfilled my expectations. I never contacted the customer service. The offers are good and more convenient. I use this card for shopping purposes. They charge annual fee around 1900 rupees, I am happy with the discounts.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Very good response"
      0.5 5.0/5 "Blown Away!"
      State Bank of India has offered me a simply save credit card and the process is good overall. There was no delay in it and credit limit is also good. I am charged a fee annually. I would have to pay a fee of 499. The customer support and response is also satisfactory.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with state bank of India.The limit on the card is one lakh. I do get reward points for every transaction and redemption options are good. Net banking is convenient to make card payments.I get an EMI options on the card.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Good Simply Save credit card"
      0.5 5.0/5 "Blown Away!"
      There is no interest and charges on my SBI credit card, I have simply save card. But I got less credit limit compared to other credit cards. SBI has EMI conversion, balance transfer option. Recently I got 10% of discount on flipkart purchase with SBI card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Average card"
      0.5 4.0/5 "Great!"
      The credit limit was low with SBI. I have taken the credit card for my future purposes. I got a SBI Simply Save credit card through online channel. I got a 400 points on my first purchase which was average. They charge annual fee of 499 rupees for a year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      It was a very good experience with State Bank of India. They charge annual fee for the credit card. I have chosen a SBI Simply Save credit card and received the same. The credit limit was 45K which was enough to me. The customer service and response was pretty good. The card disbursement was on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "System should be uptated"
      0.5 3.0/5 "Satisfactory"
      I am very fine with SBI credit card, but I have not started using this card. They added Membership service on my account around Rs. 2000 but I have canceled that service it was not updated in SBI mobile app. I contacted their customer care they said it got canceled. It would be great if they update their system.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The SBI PRIME CARD service was good with SBI. I have got the credit card within a month time. The customer support was good with SBI., The SBI executives came to my place and collected the documents, I am satisfied with the credit limit. The pay the annual fee of Rs,1600 to this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Limit can be enhanced"
      0.5 4.0/5 "Great!"
      I hold a simply save credit card with State Bank of India. They were pretty responsive in the process. I got 2,000 points on spending 2,000 in first 60 days. The features are good on the card but I am charged Rs.499 plus taxes. The credit limit is not much. It is of 50K.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I got a SBI Simply Save credit card with State Bank of India. If I spend above 80K or 1L then annual fee will be waived off. They have offered me a good credit limit of 40K which was sufficient. The customer service and response was good with SBI. They are offering reward points and cash back offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 2.0/5 "Expected more"
      I hold the Sbi gold and more credit card for past 4 years., The credit card service is not up to the mark with the SBI. The customer support is average here and we cannot reach them easily. I am not satisfied with the credit limit. I would say it is an average card to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Its good"
      0.5 4.0/5 "Great!"
      I am very confused about the SBI credit limit I didn't get best limit based on my salary. But SBIcredit card transaction are more secured with the bank. I used my card for petrol filling, shopping etc, I got some reward points. I could redeem the points into certain voucher only. It would be great if they increase the limit and reward points redemption options.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The credit card service is good with the SBI, I got the IRCTC SBI PLATINUM CREDIT CARD within 15days of time. I have used this card for hospitalization , grocery and for other usages. I am satisfied with the credit limit, it would be great if they can increase the credit limit in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Below Average"
      0.5 1.0/5 "Really Bad"
      I had taken a SBI Simply Click credit card which I am not satisfactory. They are calling many time to sell their product. I have been informed for my credit card there is no annual fee for a first year. But my first bill generated with annual fee, tried calling the customer care to check for the payment but there was no proper response. The credit limit was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
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