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KVB Platinum Credit Card
Karur Vysya Bank • Visa

KVB Platinum Credit Card

KVB mid-entry card with points accrual and basic lifestyle-oriented benefit set.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹750Waived on eligible annual spend as per issuer policy
Base Reward0.4%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹-44Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,440

Assumes base reward rate only.

Annual fee₹750

Waived on eligible annual spend as per issuer policy

Net value₹690

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
1.0%
Dining
1.0%
Basedefault
0.4%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • KVB Platinum Credit Card is best positioned as a shopping + dining specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.0% on shopping-aligned lanes, while broad base return remains closer to 0.4%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to shopping and dining spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 750 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹750
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹0.25
  • Travel value/point₹0.25
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports6
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for KVB Platinum Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on eligible annual spend as per issuer policy

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer

20,000
Estimated points20,000per year
→
Estimated redemption value₹5,000@ ₹0.25 / point

Typical voucher/cash-like path

Voucher / statement-style value

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Points accumulation on everyday transactions
  • Basic lifestyle and merchant offer integration
  • Fuel surcharge waiver and standard network protections
  • Fee waiver path through annual usage thresholds

Things to Consider

  • Reward rates are moderate against modern cashback products
  • Offer depth depends on issuer campaign availability
  • Category exclusions and caps apply

About KVB Platinum Credit Card

KVB Platinum Credit Card is a points card from Karur Vysya Bank, best for users preferring a simple points card from kvb. It is tagged under rewards, shopping, dining, lifestyle categories in our database.

RewardsShoppingDiningLifestyle

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Frequently asked questions

Is KVB Platinum Credit Card lifetime free?

It has an annual fee of ₹750. Waived on eligible annual spend as per issuer policy

What rewards does KVB Platinum Credit Card offer?

KVB mid-entry card with points accrual and basic lifestyle-oriented benefit set.

Does KVB Platinum Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider KVB Platinum Credit Card?

Users preferring a simple points card from KVB

Where can I apply for KVB Platinum Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.