Fees
Annual feeINR 599 + GST
Joining feeINR 0
Renewal feeINR 599 + GST
Fee waiverSpend-based waiver as per bank policy (add-on cards free)
Interest rate3.25% per month (39.0% per annum (p.a.))
Late paymentAs per KVB schedule of charges
Forex markupAs per KVB schedule (~3.5%)
Cash advanceAs per schedule (cash processing fee INR 100 at branch)
Eligibility
Min income (salaried)INR 20,000 - INR 35,000 (approx)
Min income (self-emp.)INR 2.5 - INR 4 lakh/year (approx)
Income requirementSalaried: INR 20,000 - INR 35,000 (approx); Self-employed: INR 2.5 - INR 4 lakh/year (approx)
Credit score700 - 750
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes — 1.5X on medical, dining/restaurants, insurance & rail; 2 RP/INR 150 on travel
Cashback %NA (reward-points based)
Redemption optionsStatement credit, gift vouchers, merchandise (KVB rewards catalogue)
Points expiryAs per KVB rewards policy
Travel & lounge
Domestic lounge0-2 visits/year (variant/offer dependent)
International lounge0 visits (no lounge benefit)
Lounge conditionsYes (where applicable)
Travel insuranceNo (not a core benefit)
Hotel/flight offers0% - 5% (periodic offers)
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining benefitsYes — accelerated rewards on dining
Dining discountsYes — accelerated rewards on dining
Fuel surchargeYes — 1% fuel surcharge waiver (subject to cap)
OTT subscriptionsNo
E-commerce offersNo (general rewards only)
Credit limit & EMI
Default limitINR 25,000 - INR 75,000 (profile based)
Max limitProfile based (bank discretion)
Cash withdrawalAs per KVB policy (typically up to ~40% of limit)
EMI optionsAt purchase / post-purchase; Yes — purchase EMI conversion
EMI conversionAt purchase / post-purchase
Min EMI amountINR 2,500 - INR 3,000 (approx)
Balance transferAs per bank policy
BT interest rateAs per offer
Insurance & protection
Purchase protectionNo
Lost card liabilityYes — report to block; zero liability after reporting
Digital & security
ContactlessYes
Virtual cardNA (not advertised)
App featuresKVB DLite app + credit-card portal: statements, due dates, rewards, limits, block/unblock
Card controlsBlock/unblock; toggle international/online; set limits — via app/portal
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 (KVB WhatsApp banking)