KVB Honour Credit Card

Karur Vysya Bank presents a diverse range of credit cards, including the Platinum, Honour, and Corporate Credit Card. Accepted globally at over a million outlets, these cards come with the option of three additional cards. Customers enjoy loyalty reward points for every credit card transaction, enhancing their banking experience.

Key Highlights of KVB Honour Credit Card

Unlock unparalleled benefits with the KVB Honour Credit Card.

  1. No fees attached to KVB Honour Credit Card.
  2. Earn 700 bonus points upon card activation.
  3. Enjoy 4x points on both domestic and international travel, hotels, and air tickets.
  4. Earn 3 reward points for every Rs. 150 spent using the card.
  5. Get 2x reward points on expenses like restaurants, medical, books, insurance, rail tickets, movie tickets, and car rentals.
  6. Benefit from 4 complimentary lounge accesses within India.
  7. Annual fee waived on spending Rs. 5 lakhs in the preceding year.

Features and Benefits of KVB Honour Credit Card

The KVB Honour Credit Card offers several features and benefits:

1. Welcome Benefits:

  • Receive 700 bonus reward points upon activating the KVB Honour Credit Card.

2. Reward Points Benefits:

  • Earn 3x reward points for every Rs.150 spent.
  • 2x reward points for:
  • Dining at restaurants
  • Renting cars
  • Buying movie tickets
  • Medical expenses
  • Insurance
  • Buying books
  • Railway ticket purchases
  • 4x reward points for booking hotel rooms and air tickets.

3. Airport and Lounge Benefits:

  • Enjoy 4 complimentary visits to domestic airport lounges.

4. Milestone Benefits:

  • Spend over Rs.5 lakh in a year to waive the Rs.1,299 annual fee for the next year.

5. Fuel Benefits:

  • Get a 1% fuel surcharge waiver on countrywide fuel station transactions.
  • Up to Rs.200 fuel surcharge waiver per billing cycle.
  • Transaction amount for surcharge waiver: Rs.500 to Rs.4,000.

6. Contactless Transactions Benefits:

  • Make contactless transactions up to Rs.5,000 with the KVB Honour Credit Card.

KVB Honour Credit Card Fees and Charges

Explore the fee structure for the KVB Honour Credit Card and discover the financial advantages that come with it.

1. Outstanding Amount:

  • Late payment fee
  • Joining fee: NIL
  • Annual fee: Rs.1,299

2. Finance Charges:

  • 3.25% per month
  • 39% annually

3. Minimum Amount Due (MAD):

  • 5% of outstanding amount (min. Rs.200)
  • Includes EMI, taxes, overlimit amount*

4. Credit Card Replacement/Reissue Fee:

  • Rs.199
  • Automatic reissue at card expiration, no extra charge

5. Add-on Card Fee:

  • NIL

6. Cash Withdrawal Fee:

  • Rs.100 or 2% of withdrawn amount (whichever is higher)

Documents Required for KVB Honour Credit Card

To apply for the KVB Honour Credit Card, you will typically need to provide the following documents:

1. Proof of Identity:

  • PAN Card
  • Aadhaar card
  • Driver’s License
  • Passport
  • Voter’s ID
  • Overseas Citizen of India Card
  • Person of Indian Origin Card
  • Job card issued by NREGA
  • Letters issued by the UIDAI

2. Proof of Address:

  • Aadhaar card
  • Driver’s License
  • Passport
  • Utility Bill (not more than 3 months old)
  • Ration Card
  • Property Registration Document
  • Person of Indian Origin Card
  • Job card issued by NREGA
  • Bank Account Statement

3. Proof of Income:

  • Latest one or two salary slips (not more than 3 months old)
  • Latest Form 16
  • Last 3 months’ bank statement

How to apply for KVB Honour Credit Card?

Follow these steps to apply for the KVB Honour Credit Card:

  1. Navigate to Karur Vysya Bank’s official website.
  2. Select ‘Credit Cards’ under the ‘Personal’ section in the website header.
  3. Pick your desired credit card variant and proceed to the next step.
  4. On the chosen card’s page, click on the ‘Apply Now’ option.
  5. Complete the application form by providing all necessary information and click ‘Submit.’
  6. The bank will verify your submitted application.
  7. Expect a follow-up from the bank’s representative for additional documentation.

Frequently Asked Questions (FAQs) –

1. What is the KVB Honour Credit Card?

  • The KVB Honour Credit Card is a credit card offered by Karur Vysya Bank that provides various benefits and features to cardholders. It is designed to cater to the financial needs and preferences of customers, offering a range of privileges and rewards.

2. How can I apply for the KVB Honour Credit Card?

  • You can apply for the KVB Honour Credit Card through the official website of Karur Vysya Bank. Alternatively, you may visit a KVB branch and inquire about the application process with the bank’s representatives.

3. What are the eligibility criteria for the KVB Honour Credit Card?

  • Eligibility criteria may vary, but generally, applicants should meet age requirements, have a stable income, and possess a good credit history. Specific criteria can be obtained from the bank at the time of application.

4. What are the key features of the KVB Honour Credit Card?

  • The KVB Honour Credit Card comes with features such as reward points, cashback offers, travel benefits, and exclusive privileges. Cardholders may also enjoy discounts on shopping, dining, and entertainment.

5. How does the rewards program work for the KVB Honour Credit Card?

  • The rewards program allows cardholders to earn points for every eligible transaction made using the credit card. These points can be redeemed for various rewards, including merchandise, vouchers, and more. The bank will provide details on the specific rewards catalog.

6. What is the credit limit on the KVB Honour Credit Card?

  • The credit limit on the KVB Honour Credit Card is determined based on factors such as the applicant’s income, credit history, and other financial considerations. The assigned credit limit will be communicated to the cardholder upon approval.

7. How can I check my KVB Honour Credit Card balance?

  • Cardholders can check their credit card balance through online banking, mobile apps, ATMs, or by contacting the KVB customer service helpline. Monthly statements are also sent to the registered email address.

8. What security features are available with the KVB Honour Credit Card?

  • The KVB Honour Credit Card comes with security features such as EMV chip technology, PIN protection, and transaction alerts. These features aim to enhance the security of card transactions and protect cardholders from fraudulent activities.

9. Is there an annual fee for the KVB Honour Credit Card?

  • The annual fee and other associated charges may vary. Details about the fees and charges applicable to the KVB Honour Credit Card can be found in the terms and conditions provided by the bank.

10. How can I contact customer support for the KVB Honour Credit Card?

  • For any queries or assistance related to the KVB Honour Credit Card, you can contact the Karur Vysya Bank customer support through the helpline number provided on the back of the credit card or visit the nearest KVB branch. Additionally, online support options may be available through the bank’s website.