Fees
Annual feeAs per corporate arrangement
Joining feeAs per corporate arrangement
Renewal feeAs per corporate arrangement
Fee waiverAs per corporate arrangement
Interest rate3.25% per month (39.0% per annum (p.a.))
Late paymentAs per KVB schedule
Forex markupAs per KVB schedule (~3.5%)
Cash advanceAs per schedule
Eligibility
Min income (salaried)NA (issued to promoters/authorised employees of corporates)
Min income (self-emp.)Corporate/business eligibility (turnover based)
Income requirementSalaried: NA (issued to promoters/authorised employees of corporates); Self-employed: Corporate/business eligibility (turnover based)
Credit scoreCorporate credit assessment
Age range21 to 60
Employment typeBusiness (corporate/authorised employees)
Resident typeIndian Resident
Rewards & cashback
Redemption optionsStatement credit / catalogue (as applicable)
Points expiryAs per policy
Travel & lounge
Domestic loungeNA / variant dependent
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceNo
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining benefitsNo
Dining discountsNo
Fuel surchargeYes — fuel surcharge waiver (subject to cap)
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitCorporate liability limit (profile based)
Max limitAs per corporate assessment
Cash withdrawalAs per KVB policy
EMI optionsAt purchase / post-purchase; Yes — purchase EMI
EMI conversionAt purchase / post-purchase
Min EMI amountAs per policy
Insurance & protection
Purchase protectionNo
Lost card liabilityYes — report to block; zero liability after reporting
Digital & security
ContactlessYes
App featuresKVB credit-card portal: statements, due dates, limits, block/unblock; expense tracking
Card controlsBlock/unblock; toggle international/online; set limits; add-on controls
Fraud protectionReal-time transaction alerts; OTP for online transactions; Tokenization (RBI mandated); suspicious-transaction blocking; instant card block
Zero liabilityZero liability if fraud reported within 3 working days; limited liability if reported within 4-7 working days; full liability if reporting delayed beyond 7 days without valid reason (per RBI)
WhatsApp supportYes