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Karur Vysya Bank SBI Signature Credit Card

ShoppingTravelFuelDining
Welcome offerWelcome e-Gift vouchers worth Rs.5,000
Annual fee
₹ 4,999
Reward rate
5x points on grocery/departmental, dining and international spends; 2 points per Rs.100 on other spends
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

Karur Vysya Bank SBI Signature Credit Card
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

5x points on grocery/departmental, dining and international spends; 2 points per Rs.100 on other spends

Earn up to 2,500 points worth Rs.12,500 a year; 10,000 points on annual spend Rs.3-4 lakh; 15,000 points on annual spend Rs.5-8 lakh

Reward currency
Points
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Fuel surcharge waiver (1% on Rs.500‑Rs.4,000 fuel transactions)

  • Complimentary lounge access in India and abroad

  • Complimentary Priority Pass membership worth $99

  • Access to over 300 golf courses with 30% discount on green fee

  • Cash withdrawal from worldwide ATMs

  • Online card management

  • Utility bill payment at no charge

  • Flexipay installment option

  • Balance transfer facility

  • Easy Money facility

  • Railway ticket booking

  • Family supplementary cards

  • Emergency card replacement worldwide

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹4,999Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
Not verified from configured sources
Foreign currency markup
Not verified from configured sources
Late payment
Not verified from configured sources
Returned payment
Not verified from configured sources

Interest rates

Charged on any balance you carry forward

Purchases
Not verified from configured sources
Balance transfer
Not verified from configured sources
Cash advance
Not verified from configured sources

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI Card before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Not verified from configured sources credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of SBI Card are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Karur Vysya Bank SBI Signature Credit Card

Everything you need to know about Karur Vysya Bank SBI Signature Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Karur Vysya Bank SBI Signature Credit Card is nominal, and the annual renewal fee is ₹4999 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Karur Vysya Bank SBI Signature Credit Card from SBI Card, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Karur Vysya Bank SBI Signature Credit Card is designed to reward everyday spends. It currently features: "Welcome e-Gift vouchers worth Rs.5,000". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via SBI Card's rewards portal.

Yes, Karur Vysya Bank SBI Signature Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for Karur Vysya Bank SBI Signature Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.