Karnataka Bank
Signature · Visa Signature
KBL Visa Signature Credit Card
Karnataka Bank
Visa Signature with 3X rewards from Karnataka Bank
Annual Fee
₹2,000
Joining Fee
₹2,000
Reward Rate
0.8%
Forex Markup
2.5%
Value Analysis
Annual Net Value
₹7,640
Total Annual Benefits
₹10,000
Total Annual Charges
₹2,360
ROI
424%
Fee Waiver Available
Annual fee waived on spending ₹4 Lakh in a membership year — ₹4,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
3 Reward Points per ₹100
Earn 3 reward points on every ₹100 spent
- • Excluded: fuel, rent, wallet loads
3 RP/₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
KBL Reward Points
3 RP per ₹100 on all spends
Effective cashback: 0.75%
Points expire: Valid for 3 years
Redemption Options
- → Products & Vouchers via KBL Rewards Portal
- → Cashback (1 RP = ₹0.25)
Milestone Bonuses
Annual fee waiver on spending ₹4 Lakh in a year
Spend ₹4,00,000 annual
Annual fee waiver
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,000 Plus GST |
| Annual Fee | ₹2,000 Plus GST, waived on ₹4L annual spend |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2.5%
- Interest Rate (Monthly)
- 3.25%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- Free
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Travel Insurance
₹10.0 L
Lost Card Liability
₹5.0 L
Report within 24h
Purchase Protection
₹50,000
60 days
- • Personal accident cover: ₹50 Lakh
- • Lost card liability: ₹5 Lakh
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Visa Signature privileges Contactless payments EMV chip security International acceptance Add-on cards available EMI conversion facility Insurance coverage
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.3%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The KBL Visa Signature Credit Card is a premium Visa Signature card from Karnataka Bank offering 3 reward points per ₹100 spent. With comprehensive be...
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