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Credit Cards · India

KVB Honour Credit Card

Updated 5 Jul 2026Source-linked

The KVB Honour Credit Card is a premium credit card from Karur Vysya Bank, with a joining fee of ₹1,299 + GST.

It earns up to 4 pts per ₹150 (≈0.5% value) on travel hotel air spends in the form of reward points (points).

Cardholders get 2 quarterly domestic airport lounge access, plus 700 bonus reward points on activation as a welcome benefit.

KVB
KVB Honour Credit Card
Visa logo
  • Joining FeeFree
  • Annual Fee₹1,299
  • Best Suited ForTravel
  • Reward TypeReward Points (points)
Rewards Rate
  • 4 pts per ₹150 on travel hotel air
  • Base 0.36% on other spends
Welcome Benefits
  • 700 bonus reward points on activation
Data verified 5 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
4 pts per ₹150 on travel hotel air
Base 0.36% on other spends.
Reward Redemption
KVB Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
700 bonus reward points on activation
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Travel & hotels₹48/mo

    You spend ₹10,000 · earns 0.5% = ₹48 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹54/mo
  • Groceries₹8,000 · 0.4% = ₹29/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹29/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Utilities & bills₹5,000 · 0.4% = ₹18/mo
Est.net rewards for this spend, realistic
₹2,131/yr

₹2,131 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹5,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.25% per month (39.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • premium card issued by Karur Vysya Bank.
  • Joining / annual fee of ₹1,299 + GST, waived on annual spends of ₹5,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (2/quarterly).

Pros & Cons

Pros
  • Annual fee waivable on ₹5,00,000 spend.
  • Complimentary domestic airport lounge access (2/quarterly).
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹175 welcome benefit

  • 700 bonus reward points on activation
    Card activation

Accelerated rewards

  • 4 pts per ₹150 on travel hotel air
    4x reward points on hotel bookings and air tickets (domestic + international) per aggregator listings.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
2 visit(s) / quarterly. Via visa.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per monthly.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
720+
Income (salaried)
₹5,00,000 p.a.
Income (self-employed)
₹5,00,000 p.a.
Tagspremiumpointsloungetravel