Karur Vysya SBI Gold Card

Apply for the best credit card of Karur Vysya Bank

Last updated:28-Dec-24 Writen by Narendra User Profile
Karur Vysya SBI Gold Card
  • Best suitable for: Shopping
  • Joining Fee: ₹ 499+ GST + GST
  • Annual Fee: ₹ 499+ GST + GST
  • Welcome Benefits: 2000 Bonus Reward Points
Karur Vysya Sbi Gold Card

Karur Vysya SBI Gold Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ 499+ GST
Annual/Renewal Fee:₹ 499+ GST
Finance Charges:3.25% per month (39% per annum)
Spend Based Waiver:waived off on spends of Rs. 1.0 lakh or more
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 500/-
Rent Payment chargesNULL
Forex Charges:3.0% of the transaction value
Minimum Repayment Amount:5% of Total outstanding (Min. Rs. 200) + All charges/fees/taxes + EMI
Cheque Return Fees:2% of Payment amount subject to minimum of 450
Late Payment Charges:
Total Amount Due/Statement BalanceLate Payment Charges
Less than or equal to 200NIL
Above 200/- and up to 500/-100
Above 500/- and up to 2,500/-300
Above 2,500/- and up to 10,000/-500
Above 10,000/- and up to 25,000/-800
Above 25,001/-1000

Karur Vysya SBI Gold Card: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 21 years old.
Income: A stable annual income is essential, typically a net monthly income of 15,000/- or more and Self-employed individuals may need to show higher income proof
Credit Score: A good CIBIL score, ideally between 700 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

Karur Vysya SBI Gold Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 2% (Min. INR 300) of the cash amount
Cash Advance Withdrwan Limit: Upto 40% of the card limit
Cash Payment at Bank Branch: Rs. 100/- for every Cash payment

Karur Vysya SBI Gold Card: Customer care and helpline

Customer care : 18004196500
Email Address : [email protected]
Mailing Address: Credit Card Cell, 338/1, Uffizi Building - First Floor, Avinashi Road, Peelamedu, Coimbatore, Tamil Nadu, 641004

Add-on Card facility: NIL

Card replacement fee: Rs 199 + GST

Rewards Redemption Fee: -

Domestic lounge:

International Lounge:

Fuel Surcharge:1% fuel surcharge refunded for transactions between 500 to 4,000 and Maximum of 200 per month.

FAQ of Karur Vysya SBI Gold Card

Q1. What is the annual fee of Karur Vysya SBI Gold Card?
The Annual fees of Karur Vysya SBI Gold Card is 499+ GST. And there is Joining fees is 499+ GST.

Q2. What is the interest rate on the Karur Vysya SBI Gold Card?
The Karur Vysya SBI Gold Card has an interest rate of 3.25% per month (39% per annum)

Q3. Are there foreign transaction fees on the Karur Vysya SBI Gold Card?
Yes, The Karur Vysya SBI Gold Card charges a 3.0% fee for all transactions in foreign currency .

Q4. What is the credit limit of Karur Vysya SBI Gold Card?
The credit limit for the Karur Vysya SBI Gold Card is based on multiple factors, such as your income, repaying capacity, and credit history. Karur Vysya Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Karur Vysya Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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