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Last updated: 14 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 5X Reward Points
Earn 5 Reward Points for every ₹100 spent on Dining, Grocery, Departmental Stores, and International transactions. Earn 2 Reward Points for every ₹100 spent on all other categories. Base redemption value is ₹0.25 per point.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual fee of ₹4,999 is waived on reaching an annual spend of ₹10 Lakhs
Complimentary Domestic and International airport lounge access, plus a Priority Pass membership worth $99
Milestone Benefits: Get 10,000 bonus reward points on ₹3L-₹4L annual spend, and 15,000 bonus reward points on ₹5L-₹8L annual spend (up to ₹12,500 bonus value)
₹500 discount on BookMyShow tickets once every month
1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹500 and ₹4,000
Access to over 300 golf courses globally with a 30% discount on green fees
An honest read on where this card earns its keep — and where it doesn't.
Excellent welcome gift (₹5,000 vouchers) perfectly offsets the first-year joining fee
Strong milestone rewards program granting up to 15,000 bonus points annually
Comprehensive airport lounge access including a free Priority Pass membership
High movie discount benefit (₹500/month on BookMyShow)
Very high annual fee waiver target of ₹10 Lakhs
High annual fee of ₹4,999 + taxes
Reward value is low (₹0.25 per point) outside of milestone bonuses
Steep 3.5% forex markup despite being a premium travel/lifestyle card
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Karur Vysya Bank SBI Signature Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Karur Vysya Bank SBI Signature Credit Card fees, reward conversion, lounge access, and application eligibility.
Karur Vysya Bank SBI Signature Credit Card has an annual fee of ₹4,999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome e-Gift vouchers worth ₹5,000 from top brands like Marks & Spencer, Yatra, Bata, Hush Puppies, or Shoppers Stop.".
Karur Vysya Bank SBI Signature Credit Card earns Reward Points at a primary rate of Up to 5X Reward Points. Specifically, Earn 5 Reward Points for every ₹100 spent on Dining, Grocery, Departmental Stores, and International transactions. Earn 2 Reward Points for every ₹100 spent on all other categories. Base redemption value is ₹0.25 per point.. Spends in Travel, Premium, Rewards categories provide the maximum valueback per transaction on this card.
Rewards earned on Karur Vysya Bank SBI Signature Credit Card can be redeemed for Credit Card Statement Dues, Gift Catalogue (Vouchers & Merchandise) via SBI's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, Karur Vysya Bank SBI Signature Credit Card features complimentary airport lounge privileges. Privileges include: "Complimentary Domestic and International airport lounge access". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Karur Vysya Bank SBI Signature Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Karur Vysya Bank SBI Signature Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Karur Vysya Bank SBI Signature Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Karur Vysya Bank SBI Signature Credit Card currently features a welcome offer: "Welcome e-Gift vouchers worth ₹5,000 from top brands like Marks & Spencer, Yatra, Bata, Hush Puppies, or Shoppers Stop.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent welcome gift (₹5 and 000 vouchers) perfectly offsets the first-year joining fee. However, keep in mind that Very high annual fee waiver target of ₹10 Lakhs and High annual fee of ₹4. Overall, Karur Vysya Bank SBI Signature Credit Card delivers strong value if your regular spending aligns with Travel, Premium, Rewards.
Yes, Karur Vysya Bank SBI Signature Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹500 and ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
