KVB Corporate Credit Card
KeepAn MSME card with a real travel-offer sheet, free to renew and ₹1,000 to take out.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Not published — KVB states no joining, activation or first-spend benefit for the Corporate card
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — 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 terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · the network variants
The take
This is Karur Vysya's expense card for MSMEs, and the bank pitches it at exactly that: cards for proprietors, partners, directors and employees, per-card limits the company sets and changes itself, and a card-wise e-statement with a spend breakup. Nothing about it is aimed at a personal wallet, which is why it sits on the business axis and out of the consumer ranking. For a desk that reads travel benefits, the offer sheet is the surprising part. KVB publishes a named list rather than the usual vague gesture at "exclusive offers": 8% off Hotels.com, 25% off Treebo, up to ₹1,000 cashback on Cleartrip, 25% off a first redBus booking, up to ₹10,000 off flights at Yatra, 10% off Taj Hotels Palaces Resorts Safaris, 20% off Zoomcar, plus the software ones a small business actually spends on — 15% off Zoho, 10% off Office 365 Business Premium, and 100% cashback on the first $100 of Google ad spend, which KVB attributes to the card's Visa Commercial status. Interest-free credit runs to 45 days and there is a fuel surcharge waiver. The money is published — just not on the product page, which carries a "No Joining Fee" tile and not one rupee figure beyond it. KVB's Corporate MITC booklet holds the full schedule, and it reads: renewal free, ₹1,000 per card to join, ₹500 to replace, 2.95% a month on revolving credit, a 3.5% cross-currency mark-up, and — the line that quietly matters — ₹100 every time you redeem rewards. The page and the booklet disagree about the joining charge, and the regulatory schedule wins; treat the tile as marketing. Section A adds the corporate caveat in the bank's own words: fees "may vary depending on the offer under which the Corporate Credit Card from KVB has been availed" and are confirmed to the company in its Credit Card Scheme Acceptance Letter, so what is priced here is the published default, not your negotiated one. What is still missing is what a point is worth. KVB states an earning rate for the card but publishes the point's rupee value only on its Eternis page, and this desk does not carry one card's redemption rate onto another's. So the card is costed and not valued: you can see what it charges, not what it pays. A real product, then, with a genuinely useful offer sheet for a small business that books travel, a renewal cost of nothing, and a rewards programme you should price at a branch before you count on it.
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 how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. 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
- Named travel offers rather than vague ones: 8% off Hotels.com, 25% off Treebo, up to ₹1,000 back on Cleartrip, up to ₹10,000 off flights at Yatra, 10% off Taj, 25% off a first redBus booking, 20% off Zoomcar
- Business software discounts a small firm actually uses — 15% off Zoho, 10% off Office 365 Business Premium, and 100% cashback on the first $100 of Google ad spend on a Visa Commercial card
- Cards for proprietors, partners, directors and employees, with the company setting and changing each card's limit
- Card-wise online e-statements with a detailed spend breakup
- Interest-free grace period of up to 45 days, and a fuel surcharge waiver
- Free to renew — the Corporate MITC's Schedule of Charges prints 'Annual/Renewal fee — Free', and add-on cards are free too
Watch out
- The product page's 'No Joining Fee' tile contradicts the bank's own Schedule of Charges, which prints 'Entrance fee/ Joining fee/ Annual fee/Membership fee — Rs.1,000.00/card' one line below 'Annual/Renewal fee — Free'. We price the regulatory schedule: ₹1,000 to take the card out, nothing to keep it. Get the figure confirmed in writing before you sign
- Every charge here is the PUBLISHED DEFAULT, and this is a negotiated product: the MITC says fees 'may vary depending on the offer under which the Corporate Credit Card from KVB has been availed' and that the applicable ones are communicated to the company in its Credit Card Scheme Acceptance Letter — that letter, not this page, is what your firm will actually pay
- Redeeming rewards costs ₹100 a time, per the same schedule — and since KVB publishes no rupee value for a point on this card, you cannot check that fee against what a redemption is worth until you ask
- Cross-currency mark-up is 3.5%, the Indian norm and no better; revolving credit runs at 2.95% a month (35.40% a year) and cash withdrawal costs 2% or ₹100, whichever is higher
- KVB states the earning rate but publishes no rupee value for a reward point on this page; the '1 Reward Point = ₹1' line belongs to its Eternis card, and this desk will not carry one card's redemption rate onto another's
- Every offer above is a third-party merchant promotion KVB can withdraw — its own page footnotes them '*Terms and conditions apply'
- No lounge access is published for this card
- Limits are set by the company, so an employee cardholder has no independent limit and no personal credit line
What these points actually fly
Karur Vysya Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
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.
Direct application — no invite list, no banking relationship required.
Through KVB's enquiry form on the Corporate Credit Card page, a branch, or the credit-card support desk the page names (creditcardsupport@kvb.bank.in, 1800-419-6500). KVB publishes no turnover threshold, no vintage requirement and no documentation list for it; the stated audience is "MSMEs and Corporates", with cards issued to "Proprietors, Partners, Directors and Employees".
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 earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- official KVB's Corporate Credit Card page — the no-joining-fee tile, the named travel and software offer list, the Visa Commercial statement and the 45-day interest-free period
- official KVB's Corporate Credit Card MITC booklet — page 6's Schedule of Charges: renewal free, ₹1,000/card joining, ₹500 replacement, 2.95%/month, 3.5% forex, ₹100 rewards redemption