KVB Eternis Credit Card
KeepZero forex, 15% off business class and four memberships — for a fee bigger than most Indian cards' welcome bonus.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 10,000 reward points on card activation, plus a one-night stay at Postcard Hotels and one year each of MindEscapes Concierge Club access, EazyDiner Prime and Club Marriott
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹1,30,000 a month
At ₹1,30,000 a month — ₹15,60,000 a year — on the everyday mix this card returns ₹31,200 gross (earn ₹31,200) against its ₹29,999 fee = ₹1,200 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #518
Why #518 The one card in KVB's range this desk can price, and the reason is its own page: Eternis is where KVB prints "Reward Redemption: 1 Reward Point (RP) = ₹1", the rate its Honour and Platinum pages omit. Ranked on a 2% earn against a ₹29,999 fee — the memberships and the zero forex are where the case actually lives, and neither is in `rankingValue`.
The take
Karur Vysya Bank is a Tamil Nadu bank of about 800 branches that most readers know, if at all, as an SBI Card distributor. Eternis is the top of the three-card range it now issues on its own licence, and it is priced against Infinia and Diners Black: ₹29,999 plus GST to join, the same again every year, with no spend waiver published anywhere. What you buy is a travel card built almost entirely out of foreign spend and memberships. Foreign currency mark-up is NIL — the charges table says so in one word — which on a ₹20 lakh year abroad is roughly ₹70,000 saved against India's 3.5% norm and pays the fee twice over. Points run at 2 per ₹100, tripled on airline, hotel, dining and luxury-shopping spend, and this is the one KVB page that prints what a point is worth: ₹1, at par, which makes the headline a genuine 2% and the accelerated categories a genuine 6%. Activation hands over 10,000 points, a night at a Postcard hotel, and a year each of Club Marriott, EazyDiner and MindEscapes concierge. KVB also advertises 15% off business-class fares on Qatar Airways and Lufthansa internationally and Air India domestically — a discount on cash fares, not an award benefit, and it publishes no terms for it. Now the omissions, and they are loud at this price. There is NO lounge access. Not a quota, not a network tag, not a mention: the word does not appear on the page. A ₹29,999 card with zero forex and no lounge programme is an unusual shape, and if you are buying it to sit down at a Delhi gate, you are buying the wrong card. KVB also names no scheme for it — no Visa Infinite, no Mastercard World Elite — and it took the bank's own stock-exchange filing to settle that it is a Visa Infinite. Which is worth knowing, because the Visa Infinite floor is where a reader at this price would look for the lounge programme KVB does not publish. And the borrowing costs are not premium-tier at all: 3% a month, 36% a year, a ₹3,999 card replacement, ₹99 on every redemption request with a 2,000-point floor on the first, and points that lapse at three years — or immediately if the minimum due goes 60 days unpaid. This is a card to run at zero balance, for the forex line and the four memberships, or not at all.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹29,999/yr at stake · 5 spend bands
The charge ₹29,999/yr
Break-even ₹1,30,000 a month — ₹15,60,000 a year — is where this card's value crosses its fee.
At your spend
−₹24,000 a year, net of the fee, at ₹3,00,000 of annual spend
−₹18,000 a year, net of the fee, at ₹6,00,000 of annual spend
−₹6,000 a year, net of the fee, at ₹12,00,000 of annual spend
₹42,000 a year, net of the fee, at ₹36,00,000 of annual spend
₹90,000 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
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 the numbers above are the whole 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
- NIL foreign currency mark-up — KVB's charges table prints one word against the row, on a range where its other cards do not
- 2 reward points per ₹100, tripled on airline, hotel, dining and luxury-shopping spend, at a published ₹1 per point
- 10,000 reward points on activation, plus a Postcard Hotels night and a year each of Club Marriott, EazyDiner Prime and MindEscapes concierge
- 15% off business-class fares on Qatar Airways and Lufthansa internationally, and Air India domestically
- Limit from ₹5,00,000 to ₹50,00,000, and a five-year card validity
- Fuel surcharge waived at 1% on single transactions between ₹500 and ₹4,000, up to ₹200 a billing cycle
Watch out
- NO lounge access of any kind — the word does not appear anywhere on the product page, on a card costing ₹29,999 a year
- ₹29,999 + GST to join and ₹29,999 + GST every year after, with NO spend waiver published — KVB publishes one for its Honour card and none for this
- It is a Visa Infinite — but you will not learn that from the product page, which names no scheme at all; the card is placed on the tier only by KVB's own 29 May 2026 press release
- Finance charges are 3% a month, 36% a year — not a premium-tier rate
- ₹99 on every redemption request, and your FIRST redemption needs 2,000 points (250 after that)
- Points lapse after three years, or immediately if the minimum amount due goes unpaid for more than 60 days
- Card replacement is ₹3,999 + GST unless it is a fraud case or an expiry re-issue
- The 15% business-class discount is off CASH fares and KVB publishes no terms, no booking channel and no blackout rules for it
- Over-limit is 2.5% with a ₹500 floor; a returned payment is ₹500; late payment tops out at ₹1,000
- Balance transfer is 'Not Available', and EMI conversion runs 15% to 22% depending on tenor plus 1% processing
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.
Direct application — no invite list, no banking relationship required.
Through KVB's own enquiry form on the Eternis page or a branch — the bank publishes no income figure, no bureau criterion and no invitation requirement for it. The credit limit band, ₹5 lakh to ₹50 lakh, is the only eligibility signal on the page, and card validity is five years subject to the bank's criteria being met at renewal.
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 · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official KVB's SEBI Regulation-30 press release, 29 May 2026 — "Eternis (Visa Infinite)", the 12-month EazyDiner Prime subscription and the 15% off Business Class on Air India, Qatar and Lufthansa
- official KVB's Eternis page — NIL foreign currency mark-up, the ₹29,999 joining and annual rows, the earn table and the "1 Reward Point (RP) = ₹1" redemption rate
- official KVB's own-licence credit-card hub — three cards, of which Eternis was the one missing from this board