KVB Aura Credit Card
KeepEight times the points on online shopping, on points worth a quarter of a rupee each. Do the multiplication.
no published fee to price it against
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: None published — KVB names a joining bonus for its Eternis and Altura cards and none for this one
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. Everything we can source — the earn rate, the transfer routes, the lounge doors — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Karur Vysya Bank publishes a fee schedule we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #521
Why #521 Carried, not ranked — no published fee, so there is no net to compute. And on the evidence KVB has published, this is not a travel card at all: no lounge quota, no forex line, no travel accelerator, no transfer partner. It files as cashback, which is the honest classification for a card whose one strong number is 8X on online shopping at a quarter of a rupee a point.
KVB Reward Points house at ₹1.00, the rate KVB prints for Eternis and Altura. AURA'S OWN LINE IN THE SAME RELEASE READS "(Value: 1 Reward Point = Rs 0.25)" — a quarter, the steepest per-card haircut in the range — and it is baked into `earn.base`. So one point per ₹100 is 0.25% here, and the eight-times online-shopping rate is 2%.
The take
Aura is the Visa Platinum floor of the four-card Visa range Karur Vysya Bank filed with the stock exchanges on 29 May 2026, and the release is unusually blunt about what it is for: "Perfect for Everyday Online Shopping". One reward point per ₹100, an eight-times multiplier on online shopping, a year of Amazon Prime and a year of Zomato Gold. That is the whole card. The multiplier is the thing to read carefully, because KVB prices its point differently on every variant and Aura's is the lowest: 25 paise. So 8X on online shopping is 2%, and everything else earns a quarter of a percent. Two per cent back on e-commerce is a perfectly respectable rate — it is roughly what India's dedicated online-shopping cards pay — but it arrives at a quarter of the per-point value the same press release advertises three bullets higher, and anyone reading the range as one product will get it four times wrong. Everything else here is absence, and the absences are what decide the card's classification. KVB publishes no fee for it and its own charges schedule skips it. It names no lounge access for this variant, no foreign-currency benefit, no travel accelerator, no welcome bonus and no transfer partner for the points. Nothing about Aura reaches an airline or a hotel programme, so on our own admission rules it is not a travel card and it is not filed as one: it goes on the board as cashback, at a base rate of 0.25% and an online rate of 2%, with two subscriptions and a price nobody has printed. If you are a KVB customer offered it inside DLite, the two memberships and the online rate are the case; there is nothing else in the document.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Karur Vysya Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 8X reward points on online shopping — 8 points per ₹100, worth 2% at Aura's own ₹0.25 redemption value
- A twelve-month Amazon Prime membership and a twelve-month Zomato Gold membership, both named in KVB's filing
- Issued on Visa Platinum, the tier KVB names for it in a filed stock-exchange disclosure
Watch out
- A KVB reward point is worth ₹0.25 ON THIS CARD — a quarter of what the Eternis and Altura cards redeem at, so the base rate is 0.25% and the 8X rate is 2%
- NO FEE IS PUBLISHED. KVB says standard joining and yearly fees apply and points you at the DLite app; its own charges schedule prices Platinum, Honour and Corporate and omits this card entirely
- So this card is carried but not ranked, not crowned and not in the calculator — there is no cost to net the benefits against
- Not a travel card on the published evidence: no lounge quota, no forex benefit, no travel accelerator and no transfer partner are named for it anywhere
- KVB gives its zero-forex line to Eternis and Altura by name and says nothing about Aura, so nothing is claimed here — do not carry a sibling's benefit onto it
- No welcome bonus is published for Aura, while the two Infinite cards in the same release both get one
- Rolled out to existing KVB customers first, through DLite or a branch; there is no product page and no public application form for it
- Do not confuse it with the Axis Bank AURA or the IndusInd Platinum Aura — different banks, different cards, same name
What these points actually fly
No live transfer route takes KVB Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Invite-only — there is no public application form. The bank calls you.
Not by applying. KVB's release calls this an "initial rollout for existing customers" and directs them to check eligibility and pre-approved offers in the KVB DLite mobile banking app or at their nearest branch. There is no Aura page on kvb.bank.in, no entry for it in the bank's sitemap, and the public credit-card shelf still lists only Eternis, Honour and Platinum.
Karur Vysya Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Karur Vysya Bank's own documents on
Not published , and we will not invent it: the annual fee.
Every document behind this page — 2 of them, each with the day we read it
- official KVB's stock-exchange release of 29 May 2026 launching the Visa range — Aura's Visa Platinum tier, its earn at ₹0.25 a point, the 8X online multiplier and the Amazon Prime and Zomato Gold memberships
- official KVB's own interest-rates and charges schedule — it prices KVB Platinum at ₹599, Honour at ₹999 and Corporate at ₹1,000, and does not list Aura, Altura, Samara or Eternis at all