KVB Samara Credit Card
KeepSix times the points on dining and online — on points KVB quietly redeems at half a rupee.
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 #520
Why #520 Carried, not ranked, because no fee is published — and the more interesting reason to read this file is the point value. KVB prints a DIFFERENT redemption rate per card in the same release, and Samara's is ₹0.50, half what its Eternis and Altura siblings redeem at. A reader who carries the range's headline "1 Reward Point = ₹1" onto this card doubles its worth in their head.
KVB Reward Points house at ₹1.00 because that is what KVB's Eternis page and its Altura release line both state. On SAMARA the bank prints "(Value: 1 Reward Point = Rs 0.5)" — a per-card haircut of exactly half, baked into `earn.base` rather than pretended away. So one point per ₹100 is 0.5% here, and the six-times dining and online rate is 3%.
The take
Samara is the Visa Signature rung of the four-card Visa range Karur Vysya Bank filed with the stock exchanges on 29 May 2026, and it is the one built around a table rather than a boarding pass: six times points on dining and online shopping, a year of Taj Epicure, six months of EazyDiner Prime and a year of Amazon Prime. Read the point value before you read the multiplier. KVB prices its reward point per card in the same paragraph it prices the earn, and Samara's line reads ₹0.50 — half the ₹1 its Eternis and Altura siblings redeem at. So "1 point per ₹100" is half a percent, not one, and "6X on dining and online" is 3%, not 6%. Three percent on restaurants and e-commerce is still a good number by Indian standards; it is simply not the number the multiplier suggests, and this is the single most likely thing about the KVB range to be misread. The rest is honest absence. KVB has published no fee for this card: the release says standard joining and yearly fees apply and sends you to the DLite app, and the bank's own charges schedule — which prices KVB Platinum at ₹599 and Honour at ₹999 — does not list Samara. It names no lounge access for this variant, no zero-forex line (Eternis and Altura get one; Samara does not), no welcome bonus, and no transfer partner for the points. Under our admission rules that makes Samara a cashback card wearing a travel range's badge, and it is filed as one: a card that pays you back in KVB's own catalogue at 0.5% base and 3% on two categories, with a Taj dining membership on top and a price nobody has printed.
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
- 6X reward points on dining and online shopping — 6 points per ₹100, worth 3% at Samara's own ₹0.50 redemption value
- A one-year Taj Epicure membership, the dining programme KVB names for this card and no other in the range
- A six-month EazyDiner Prime subscription and a twelve-month Amazon Prime membership
- Issued on Visa Signature, the tier KVB names for it in a filed stock-exchange disclosure
Watch out
- A KVB reward point is worth ₹0.50 ON THIS CARD, not the ₹1 its Eternis and Altura siblings redeem at — the base rate is 0.5%, not 1%
- 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
- No zero-forex line for this variant. KVB gives that benefit to Eternis and Altura by name and says nothing at all about Samara, so nothing is claimed here — do not carry a sibling's benefit onto it
- No lounge access is named for this card anywhere — the release lists airport lounges as a portfolio-level benefit without saying which variants carry it
- No welcome bonus is published for Samara, while the two Infinite cards in the same release both get one
- KVB publishes no transfer partner for its reward points, so they redeem inside KVB's own catalogue and reach no airline or hotel programme
- Rolled out to existing KVB customers first, through DLite or a branch; there is no product page and no public application form for it
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 Samara 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 — Samara's Visa Signature tier, its earn at ₹0.50 a point, the 6X dining and online categories and its three 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 Samara, Altura, Aura or Eternis at all