KVB Honour Credit Card
KeepFour domestic lounge visits for ₹999 that waives at ₹3 lakh — from a bank most people do not know issues its own cards.
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
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 · why it ranks #387
Why #387 Carried, not valued. Four complimentary domestic lounge visits for a ₹999 fee that waives at ₹3 lakh is a real travel benefit — but KVB prints no rupee value against a reward point on this card's page, so there is no rate this desk can honestly put beside it.
The take
Karur Vysya Bank has quietly stopped being only an SBI Card distributor. Alongside the KVB x SBI co-brands it still sells, it now issues a **three-card range on its own licence** — Eternis, Honour and Platinum — and Honour is the middle rung and the one with a travel case. **Four complimentary airport lounge visits within India**, 700 bonus reward points on activation, and a points accrual that doubles on restaurants, medical, books, insurance, rail and movie tickets and car rentals. Nothing to take the card out; ₹999 a year, and the ₹999 disappears if the previous year's spend cleared ₹3,00,000 — ₹25,000 a month. Add-on cards are free, the limit runs ₹1.5 lakh to ₹10 lakh, and a secured version against a fixed deposit is available if your file will not carry an unsecured line. Two things stop this being a straightforward recommendation. The first is that KVB never says what a reward point is worth on this card — its own Eternis page prints "1 Reward Point = ₹1" and this page prints nothing, and we will not carry one card's redemption rate onto another's. The second is the cost of borrowing: **3.25% a month, 39% a year**, which is at the punitive end even for India, and a ₹99 fee on every redemption request with a 2,000-point floor on your first one. Buy it for the lounge visits and the waiver, pay it in full every month, and treat the points as a rounding error until KVB prices them.
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
- 4 complimentary airport lounge visits within India
- Nil joining fee; the ₹999 annual fee waives if the previous year's spend exceeded ₹3,00,000
- 700 bonus reward points on card activation
- Add-on cards are free
- Credit limit ₹1.5 lakh to ₹10 lakh, with a fixed-deposit-secured version available
- 1% fuel surcharge waiver on single transactions of ₹500 to ₹4,000, up to ₹200 a billing cycle
Watch out
- KVB publishes NO rupee value for a reward point on this card's page — its Eternis page does, and this desk will not carry one card's rate onto another
- 3.25% a month — 39% a year — on revolving credit, at the punitive end even by Indian standards
- 3.5% foreign-currency markup, exactly India's norm with no discount
- ₹99 on every redemption request, and your first redemption needs 2,000 points
- Unredeemed points lapse every three years, or immediately if the minimum due goes unpaid past 60 days
- The lounge QUOTA is published as a yearly total with no per-quarter or per-network detail, and no lounge programme is named — so we tag this card to no lounge network
- No KFS or MITC PDF could be located for KVB's own-licence range; every figure here is from the product page
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 →
Does your spend count toward the fee waiver?
not published — and we say which
₹3,00,000 a year is the bar that waives the ₹999 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Karur Vysya Bank states what the KVB Honour Credit Card earns, but has not published which spend categories count toward the fee waiver — the ₹3,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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.
KVB's own words for the range: "Credit cards issued to Individuals for meeting their general/personal expense." There is an Apply Now form on the product page taking a name, mobile number and email, so this is a direct application rather than an invitation. The card runs five years "subject to fulfillment of the banks eligibility criteria", and KVB publishes no income floor or age band. If an unsecured line is not available to you, the page notes an alternative: "Nil. (option for secured card against FD available)".
Karur Vysya Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official Karur Vysya Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
KVB NOW ISSUES ON ITS OWN LICENCE, which changes what this bank is on our board: a three-card range (Eternis, Honour, Platinum) under /personal/cards/kvb-credit-cards/kvb-credit-card/ runs alongside the KVB x SBI co-brands under /co-branded-kvb-sbi-credit/. NO KFS OR MITC PDF was located for the own-licence range, so every figure here comes from the product page's own charges table, whose rows are labelled literally "Joining fee — Free" and "Annual fee — Rs 999.00/Card" — named rows, not columns, so no inverted-column trap applies. Annual fee waived if the previous year's spend exceeded ₹3,00,000. Credit limit ₹1.50 lakh to ₹10 lakh; primary security "Nil.(option for secured card against FD available)"; validity 5 years; card replacement ₹199; cash processing at a branch ₹100; petrol surcharge 1%, waived on single transactions of ₹500 to ₹4,000 up to ₹200 a billing cycle; balance transfer from ₹10,000 at 18%; EMI 15–22% by relationship vintage. LOUNGE: "4 Complimentary Airport lounge access within India" is the entire clause — no programme is named (not DreamFolks, not Priority Pass, not a network programme) and no per-quarter split is given, so no lounge network is tagged on this card. REWARD POINTS ACCRUE AND KVB DOES NOT PRICE THEM ON THIS PAGE: 3 per ₹150, doubled on restaurants, medical, books, insurance, rail tickets, movie tickets and car rentals, plus 700 on activation — and no rupee value anywhere. Its sibling Eternis page DOES state "1 Reward Point (RP) = ₹1"; that rate is not carried across, which is why the card file nulls the earn triple. DEAD LINKS ELSEWHERE ON THE BOARD: every KVB source URL we hold points at kvb.co.in, which now returns NXDOMAIN rather than a 404 after the RBI domain migration to kvb.bank.in.
per the official Karur Vysya Bank MITC · reviewed 10 Jul 2026
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 Product page — Joining fee Free, Annual fee ₹999 waived above ₹3,00,000 of previous-year spend, 4 complimentary domestic lounge visits, and 3.5% forex markup
- official KVB's credit-cards hub — the page that shows the bank now runs its own three-card range beside the KVB x SBI co-brands it distributes