M16S / Karur Vysya Bank / Karur Vysya KVB Eternis Credit Card
super-premium · rewards, travel
Karur Vysya KVB Eternis Credit Card
The Karur Vysya KVB Eternis Credit Card costs Rs 29,999 a year. Its base return is 2% (2 RP per Rs 100). Accelerated earn: 3X RP on airline, hotel, dining and luxury shopping spends. The forex markup is 0%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 29,999+ GST
- Fee waived at
- —
- Base return
- 2%
- Forex markup
- 0%
- Interest
- 3%a month
Apply on kvb.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 29,999 |
|---|---|
| Annual fee | Rs 29,999 |
| Fee notes | Rs 29,999 + GST joining and annual; no waiver mentioned. Card replacement Rs 3,999. |
Rewards
| Welcome benefit | 10,000 RP on activation; one-night stay at Postcard Hotels; 1-year MindEscapes Concierge Club, EazyDiner and Club Marriott memberships. |
|---|---|
| Reward currency | Reward Points |
| Base earn | 2 RP per Rs 100 |
| Base return | 2% |
| Point value | 1 RP = Rs 1 |
| Accelerated earn | 3X RP on airline, hotel, dining and luxury shopping spends |
| Points expiry | Unclaimed points lapse once every 3 years, or if minimum due is unpaid for more than 60 days |
| Reward notes | base_return_pct = 2 RP / Rs 100 x Rs 1. Redemption fee Rs 99 per request; first redemption min 2,000 RP, later 250 RP. |
Travel and perks
| Forex markup | 0% |
|---|---|
| Fuel surcharge waiver | 1% waiver on Rs 500-4,000 txns, cap Rs 200 per billing cycle |
| Other freebies | 15% off Business Class fares on Qatar Airways and Lufthansa (international) and Air India (domestic). |
Charges and eligibility
| Interest per month | 3% |
|---|---|
| Late payment fee | Nil below Rs 200; Rs 100 for Rs 200-500; Rs 300 for Rs 501-2,500; Rs 500 for Rs 2,501-10,000; Rs 800 for Rs 10,001-25,000; Rs 1,000 above Rs 25,000 |
| Cash advance fee | 2% or Rs 300, whichever is higher |
| Eligibility | Credit limit Rs 5 lakh to Rs 50 lakh; bank's eligibility criteria not published. |
| Fine-print notes | Network and lounge access are not stated on the product page. The MITC read (v2.0, 4 Mar 2025) predates Eternis and does not list it; terms are from the product page. KVB also sells co-branded KVB SBI cards, which are issued by SBI Card and excluded here. Reward redemption fee Rs 99 per request; first redemption needs 2,000 points, later ones 250 (MITC says 800). 1% service charge on rent payments. Over-limit 2.5% min Rs 500. Rs 100 fee for cash payment at branch. A secured version against FD is available as an option. |
Questions
- What is the annual fee of the Karur Vysya KVB Eternis Credit Card?
- Rs 29,999 a year, before GST.
- What is the forex markup on the Karur Vysya KVB Eternis Credit Card?
- 0% of each foreign-currency transaction, before GST.