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    Karur Vysya Bank Credit Cards Reviews

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    Karur Vysya Bank Credit Card Overview

    The Karur Vysya Bank was initiated in a small textile village at Karur in Tamil Nadu in year 1916. It was started by Shri Athi Krishna Chettiar and Shri. M.A. Venkatarama Chettiar. Today the bank has over 551 branches spread all across the country. It has more than 1276 ATMs in more than 17 states and 2 union territories. In the year 2013, the bank has included 457 ATMs and 100 branches.

    The KVB or the Karur Vysya Bank was basically established to instill the habit of saving among people. The bank was set up to offer financial assistance to agriculturists and traders in the village of Karur. The Karur Vysya Bank is managed by a team of visionaries and Board of Directors.

    The bank offers all types of personal banking services to the customer in various forms such as insurance, deposits, loans, mutual fund investments and many more. The bank also offers a plethora of technology based services such as mobile banking, internet banking and so forth.

    Karur Vysya Bank provides a huge plethora of card services to the customers in the form of debit cards, gift cards, credit cards and travel cards. Karur Vysya Bank credit cards are available in two varieties which include the KVB Gold and more cards and KVB Platinum cards. The bank issues both secured and unsecured credit cards in both these varieties. These credit cards are Visa enabled. These cards are known as the KVB SBI cards, as the bank has a collaboration with the State Bank of India for offering credit cards. It can be used in more than a million outlets across the world. Customers are also offered three add-on cards by the Bank. The Karur Vysya Bank also offers loyalty reward points to the customers on the use of credit cards.

    Karur Vysya Bank Credit Card FAQs

    1. Will there be any joining fees for credit cards at Karur Vysya Bank?
    2. The bank charges Rs 499/- on KVB Gold and More credit card and Rs 2,999/- on KVB Platinum credit cards.

    3. Does the bank charge any annual fee on credit cards?
    4. KVB charges Rs 499/- on KVB Gold and More credit cards as annual fee and Rs 2,999/- on KVB Platinum credit cards.

    5. Does the bank charge any add-on fees on credit cards?
    6. No.

    7. What is my grace period?
    8. 20-50 days, if the outstanding balance of the previous months are paid in full.

    9. Does the bank charge any replacement fee on credit cards?
    10. Yes, the bank charges an amount of Rs 100/- as replacement fee.

    11. Will there be a late payment fees on credit cards?
    12. Yes, the Karur Vysya Bank charges late payment fees which vary according to the credit amount.

    13. Is balance transfer offered on this credit card?
    14. Yes, credit card balance transfer is possible on KVB SBI Platinum cards. However, the bank charges a processing fee.

    Karur Vysya Bank Eligibility and Documentation

    Eligibility:
    • Credit Card holder should be in the age bracket of 18 years to 70 years.
    • Should have a fixed monthly income.
    • Should have a good CIBIL credit score.
    • Primary Card holder should be in the age bracket of 21 years to 65 years. Add-on Card holder should be 15 years and above.
    • Net Income - Rs. 15 lakh and above per annum.
    • Should be a resident of India.
    Documents required for getting Karur Vysya Bank Credit Card :
    • Pan Card Photocopy OR Form 60
    • Latest Salary Slip, Form 16, Income Tax return copy as income proof
    • Passport, driving license, ration card, etc for residence proof.
    Karur Vysya Bank Credit Card Interest Rates
    Details of Karur Vysya Bank Credit Card  
    Credit card interest rate 3.35% per month
    Card membership fee Rs 2,999 for KVB Platinum cards and Rs 499/- for KVB Gold and more cards (one time)
    Add- on fee None
    Foreign currency transaction Conversion mark up: 3.5%
    Late fee charges Varies according to the amount
    Annual fees Rs 2,999 for KVB Platinum cards and Rs 499/- for KVB Gold and more cards (per annum
    Replacement card charges Rs 100/-

    *Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.

    News About Karur Vysya Bank Credit Card

    • Should you consider increasing
      your credit limit?

      Aham wanted to enhance his credit card limit as he was finding it pretty difficult to cope up with the expenses. After a few weeks of planning.

      18th September 2014

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